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Citizens First Bank

IDRSSD: 2882983
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
66
/ 100
StableAs 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 #2882983 2025-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.48% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.65% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +20

The five pillars

Liquidity

StableQoQ -5
66
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 94.0%, cash 2.7% of assets.

Cash / Assets
2.65%
Loans / Deposits
94.01%
Brokered %
8.18%

Watch Items

  • infoCash / Assets below 3% — Cash 2.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.31%
No watch items at this period.

Capitalization

WatchQoQ -7
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.00%, CET1 10.00%, leverage 8.04%.

Tier 1 RBC
10.00%
CET1
10.00%
Leverage
8.04%
No watch items at this period.

Asset Quality

StableQoQ -7
63
Sub-score

Asset quality is stable: Adjusted NPL 1.41%, Texas Ratio 11.5%, NCO YTD 2.48%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
2.48%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.95%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.48% of loans.

Reserves

StableQoQ +20
64
Sub-score

Reserves are stable: ALLL 1.27% of loans, coverage 91.0%, true coverage 91.0%.

ALLL / Loans
1.27%
Coverage
91.0%
True Loss Coverage
91.0%
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 14:02:01 UTC