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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q4QoQ -8

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 #732253 2025-Q4 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -26
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +3
85
Sub-score

Liquidity is strong: brokered 11.0%, loans/deposits 84.6%, cash 13.6% of assets.

Cash / Assets
13.60%
Loans / Deposits
84.62%
Brokered %
10.96%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.32%
No watch items at this period.

Capitalization

WatchQoQ -1
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.73%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.73%

Watch Items

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

Asset Quality

RiskQoQ -26
33
Sub-score

Asset quality is weak: Adjusted NPL 3.18%, Texas Ratio 21.2%, NCO YTD 1.09%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
21.2%
NCO YTD
1.09%
30-89 PD
3.22%
Band 0.3% / 3.0%
90+ PD
2.46%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.46%.
  • infoNet charge-offs elevated — NCO YTD 1.09% of loans.

Reserves

RiskQoQ -10
10
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 25.1%, true coverage 25.1%.

ALLL / Loans
0.79%
Coverage
25.1%
True Loss Coverage
25.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.1% (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: 2026-05-12 01:21:51 UTC