Visbanking Logo
Skip to main content

Citizens Progressive Bank

IDRSSD: 732253
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
62
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #732253 2025-Q3 Vital Signs Score: 62/100 — 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. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.55%.

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +12

The five pillars

Liquidity

StrongQoQ +3
82
Sub-score

Liquidity is strong: brokered 15.0%, loans/deposits 85.3%, cash 12.8% of assets.

Cash / Assets
12.85%
Loans / Deposits
85.26%
Brokered %
14.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.25%
No watch items at this period.

Capitalization

WatchQoQ +4
49
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.89%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.89%

Watch Items

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

Asset Quality

WatchQoQ +16
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.59%, Texas Ratio 11.2%, NCO YTD 0.29%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.29%
30-89 PD
3.75%
Band 0.3% / 3.0%
90+ PD
1.55%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.55%.

Reserves

RiskQoQ +12
20
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 50.9%, true coverage 50.9%.

ALLL / Loans
0.80%
Coverage
50.9%
True Loss Coverage
50.9%
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: 2026-05-12 01:21:51 UTC