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Citizens Bank

IDRSSD: 840019
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
75
/ 100
StableAs of 2025-Q4QoQ +1

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 #840019 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +2
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.6%, cash 4.1% of assets.

Cash / Assets
4.11%
Loans / Deposits
96.62%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.20%
No watch items at this period.

Capitalization

StableQoQ -1
60
Sub-score

Capital position is stable: Tier 1 RBC 11.10%, CET1 11.10%, leverage 7.77%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
7.77%
No watch items at this period.

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.19%, Texas Ratio 11.7%, NCO YTD 0.06%.

Adjusted NPL
1.19%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.06%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
51
Sub-score

Reserves are deteriorating: ALLL 1.01% of loans, coverage 85.2%, true coverage 85.2%.

ALLL / Loans
1.01%
Coverage
85.2%
True Loss Coverage
85.2%
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: 2026-05-13 03:56:55 UTC