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Citizens Progressive Bank

IDRSSD: 732253
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
51
/ 100
WatchAs of 2025-Q1QoQ -3

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 #732253 2025-Q1 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -12
73
Sub-score

Liquidity is stable: brokered 15.8%, loans/deposits 90.1%, cash 7.2% of assets.

Cash / Assets
7.18%
Loans / Deposits
90.06%
Brokered %
15.84%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.49%
No watch items at this period.

Capitalization

WatchQoQ +1
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.15%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.15%

Watch Items

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

Asset Quality

RiskQoQ -6
38
Sub-score

Asset quality is weak: Adjusted NPL 3.77%, Texas Ratio 30.9%, NCO YTD 0.00%.

Adjusted NPL
3.77%
Govt-guarantees stripped
Texas Ratio
30.9%
NCO YTD
0.00%
30-89 PD
2.52%
Band 0.3% / 3.0%
90+ PD
3.35%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.77% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.35%.

Reserves

RiskQoQ +1
7
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 19.0%, true coverage 19.0%.

ALLL / Loans
0.71%
Coverage
19.0%
True Loss Coverage
19.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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: 2026-05-12 01:21:51 UTC