Visbanking Logo
Skip to main content

Citizens Bank And Trust

IDRSSD: 701839
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ +3

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

Quarterly Headline

2024-Q4

Bank #701839 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.11% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 59.6%, cash 1.1% of assets.

Cash / Assets
1.11%
Loans / Deposits
59.61%
Brokered %
2.34%

Watch Items

  • watchCash / Assets below 3% — Cash 1.11% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.64%
No watch items at this period.

Capitalization

StableQoQ +1
69
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 7.51%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
7.51%
No watch items at this period.

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.62%, Texas Ratio 10.9%, NCO YTD 0.11%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
0.11%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +15
36
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 63.8%, true coverage 62.7%.

ALLL / Loans
1.03%
Coverage
63.8%
True Loss Coverage
62.7%
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: 2026-05-14 02:28:03 UTC