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Citizens Bank And Trust Company

IDRSSD: 657758
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #657758 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.37%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.44% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.6%, cash 20.6% of assets.

Cash / Assets
20.61%
Loans / Deposits
66.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.70%
No watch items at this period.

Capitalization

StrongQoQ -2
97
Sub-score

Capital position is strong: Tier 1 RBC 16.10%, CET1 16.10%, leverage 9.18%.

Tier 1 RBC
16.10%
CET1
16.10%
Leverage
9.18%
No watch items at this period.

Asset Quality

StableQoQ -1
61
Sub-score

Asset quality is stable: Adjusted NPL 2.44%, Texas Ratio 12.4%, NCO YTD 0.01%.

Adjusted NPL
2.44%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.01%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
2.37%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.44% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.37%.

Reserves

StableQoQ -8
66
Sub-score

Reserves are stable: ALLL 2.08% of loans, coverage 86.8%, true coverage 80.7%.

ALLL / Loans
2.08%
Coverage
86.8%
True Loss Coverage
80.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:30:40 UTC