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Citizens Bank

IDRSSD: 1001853
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
82
/ 100
StrongAs of 2025-Q4QoQ 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-Q4

Bank #1001853 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.37% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -3
68
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 104.2%, cash 4.0% of assets.

Cash / Assets
4.04%
Loans / Deposits
104.19%
Brokered %
2.67%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (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 +4
98
Sub-score

Capital position is strong: Tier 1 RBC 14.27%, CET1 14.27%, leverage 12.86%.

Tier 1 RBC
14.27%
CET1
14.27%
Leverage
12.86%
No watch items at this period.

Asset Quality

StrongQoQ 0
80
Sub-score

Asset quality is strong: Adjusted NPL 2.37%, Texas Ratio 14.5%, NCO YTD -0.01%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
-0.01%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).

Reserves

WatchQoQ -1
56
Sub-score

Reserves are deteriorating: ALLL 1.62% of loans, coverage 69.4%, true coverage 67.9%.

ALLL / Loans
1.62%
Coverage
69.4%
True Loss Coverage
67.9%
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