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Citizens Bank

IDRSSD: 778738
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #778738 2025-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.74% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 3.1%, loans/deposits 92.0%, cash 1.7% of assets.

Cash / Assets
1.74%
Loans / Deposits
92.02%
Brokered %
3.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.85%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.89%, CET1 14.89%, leverage 13.06%.

Tier 1 RBC
14.89%
CET1
14.89%
Leverage
13.06%
No watch items at this period.

Asset Quality

StrongQoQ -2
92
Sub-score

Asset quality is strong: Adjusted NPL 0.83%, Texas Ratio 4.7%, NCO YTD 0.20%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.20%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
66
Sub-score

Reserves are stable: ALLL 1.03% of loans, coverage 125.8%, true coverage 95.3%.

ALLL / Loans
1.03%
Coverage
125.8%
True Loss Coverage
95.3%
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 19:54:41 UTC