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Citizens Bank

IDRSSD: 1001853
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
86
/ 100
StrongAs of 2025-Q1QoQ 0

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 #1001853 2025-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +3
69
Sub-score

Liquidity is stable: brokered 3.5%, loans/deposits 103.0%, cash 4.7% of assets.

Cash / Assets
4.69%
Loans / Deposits
102.99%
Brokered %
3.45%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
94
Sub-score

Capital position is strong: Tier 1 RBC 13.53%, CET1 13.53%, leverage 13.21%.

Tier 1 RBC
13.53%
CET1
13.53%
Leverage
13.21%
No watch items at this period.

Asset Quality

StrongQoQ -5
87
Sub-score

Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 8.9%, NCO YTD -0.01%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
-0.01%
30-89 PD
1.14%
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 1.64% of loans, coverage 117.0%, true coverage 112.1%.

ALLL / Loans
1.64%
Coverage
117.0%
True Loss Coverage
112.1%
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 19:23:36 UTC