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Citizens Community Bank

IDRSSD: 2007991
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
64
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #2007991 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.68% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +7
94
Sub-score

Liquidity is strong: brokered 2.3%, loans/deposits 63.7%, cash 8.1% of assets.

Cash / Assets
8.09%
Loans / Deposits
63.75%
Brokered %
2.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.37%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.47%

Watch Items

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

Asset Quality

WatchQoQ -14
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.68%, Texas Ratio 26.4%, NCO YTD 0.10%.

Adjusted NPL
5.68%
Govt-guarantees stripped
Texas Ratio
26.4%
NCO YTD
0.10%
30-89 PD
2.33%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.68% (govt-guarantees stripped).

Reserves

RiskQoQ -2
33
Sub-score

Reserves are weak: ALLL 2.05% of loans, coverage 36.9%, true coverage 28.1%.

ALLL / Loans
2.05%
Coverage
36.9%
True Loss Coverage
28.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.1% (Adjusted NPL + Performing Mods denominator).

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