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Citizens Guaranty Bank

IDRSSD: 764816
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #764816 2025-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.1% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.1% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 103.1%, cash 2.5% of assets.

Cash / Assets
2.53%
Loans / Deposits
103.05%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.53% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +2
64
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 8.29%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
8.29%
No watch items at this period.

Asset Quality

StableQoQ +4
74
Sub-score

Asset quality is stable: Adjusted NPL 2.37%, Texas Ratio 23.0%, NCO YTD 0.21%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
23.0%
NCO YTD
0.21%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).

Reserves

RiskQoQ -12
31
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 49.1%, true coverage 49.1%.

ALLL / Loans
1.15%
Coverage
49.1%
True Loss Coverage
49.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.1% (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 10:19:33 UTC