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Citizens Bank Of West Virginia Inc

IDRSSD: 481627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ +5

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

Quarterly Headline

2025-Q1

Bank #481627 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +12
80
Sub-score

Liquidity is stable: brokered 6.6%, loans/deposits 87.6%, cash 6.8% of assets.

Cash / Assets
6.83%
Loans / Deposits
87.61%
Brokered %
6.62%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.85%
No watch items at this period.

Capitalization

StableQoQ +8
71
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 9.74%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
9.74%
No watch items at this period.

Asset Quality

StrongQoQ +3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 2.4%, NCO YTD 0.41%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
0.41%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
82
Sub-score

Reserves are strong: ALLL 0.95% of loans, coverage 293.1%, true coverage 293.1%.

ALLL / Loans
0.95%
Coverage
293.1%
True Loss Coverage
293.1%
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 13:46:30 UTC