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Citizens Community Bank

IDRSSD: 2007991
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
74
/ 100
StableAs of 2025-Q1QoQ -7

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 #2007991 2025-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ 0
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 2.3%, loans/deposits 63.5%, cash 3.8% of assets.

Cash / Assets
3.78%
Loans / Deposits
63.53%
Brokered %
2.34%
No watch items at this period.

Securities

StrongQoQ 0
100
Sub-score

Securities profile is strong: securities 20.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.08%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.76%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.76%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -22
75
Sub-score

Asset quality is stable: Adjusted NPL 1.13%, Texas Ratio 5.1%, NCO YTD 0.06%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.06%
30-89 PD
3.42%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -12
75
Sub-score

Reserves are stable: ALLL 1.82% of loans, coverage 164.3%, true coverage 64.6%.

ALLL / Loans
1.82%
Coverage
164.3%
True Loss Coverage
64.6%
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 13:55:56 UTC