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Citizens Savings Bank And Trust Company

IDRSSD: 55635
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 55635 held $185.8M in total assets as of 2026-03-31 (+1.3% quarter-over-quarter). Total loans stood at $159.1M (+1.2% QoQ) and total deposits at $159.7M (-3.1% QoQ).

Overall position is weak — the composite Health Score is 32/100 (Weak). Tier 1 / RWA stands at 14.46%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
32/100
Weak
Active Alerts
2
1 critical, 1 warning
Total Assets
$185.8M
+1.3% QoQ
Total Loans
$159.1M
+1.2% QoQ
Total Deposits
$159.7M
-3.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.46%
38th pctile · n=228↑ better
-8 bp QoQ
CET1 / RWA
14.46%
72th pctile · n=500↑ better
-7 bp QoQ
Total RBC / RWA
15.92%
40th pctile · n=228↑ better
-12 bp QoQ
Tier 1 Leverage Ratio
14.46%
72th pctile · n=500↑ better
-7 bp QoQ

Liquidity

Cash / Assets
8.09%
59th pctile · n=500↑ better
-39 bp QoQ
Loans / Deposits
99.66%
92th pctile · n=492↓ better
+429 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
2.94%
92th pctile · n=500↓ better
-21 bp QoQ
NPA / Assets
3.37%
96th pctile · n=500↓ better
+8 bp QoQ
Texas Ratio (regulatory)
31.68%
97th pctile · n=500↓ better
+79 bp QoQ
Net Charge-Offs / Avg Loans
-0.05%
5th pctile · n=500↓ better
-53 bp QoQ
ALLL Coverage of NPL
38.38%
29th pctile · n=500↑ better
+381 bp QoQ

Earnings

Net Interest Margin
3.56%
30th pctile · n=500↑ better
-25 bp QoQ
Return on Assets
0.41%
9th pctile · n=500↑ better
+27 bp QoQ
Return on Equity
4.29%
13th pctile · n=500↑ better
+276 bp QoQ
Efficiency Ratio
80.32%
85th pctile · n=500↓ better
-183 bp QoQ
Pre-tax NOI / Avg Assets
0.61%
13th pctile · n=500↑ better
+45 bp QoQ

Funding

Brokered / Deposits
0.00%
32th pctile · n=492↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.46%
79th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
3.63%
12th pctile · n=500↑ better
-9 bp QoQ
AFS Securities / Assets
3.63%
19th pctile · n=500↑ better
-9 bp QoQ
HTM Securities / Assets
0.00%
37th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 01:07:40 UTC