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Citizens Savings Bank And Trust Company

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -24

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #55635 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -28
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -15
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 97.4%, cash 8.6% of assets.

Cash / Assets
8.58%
Loans / Deposits
97.39%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.18%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 14.77%, CET1 14.77%, leverage 11.51%.

Tier 1 RBC
14.77%
CET1
14.77%
Leverage
11.51%
No watch items at this period.

Asset Quality

StableQoQ -28
72
Sub-score

Asset quality is stable: Adjusted NPL 1.04%, Texas Ratio 7.7%, NCO YTD 0.12%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.12%
30-89 PD
3.07%
Band 0.3% / 3.0%
90+ PD
0.79%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 48.0%, true coverage 16.4%.

ALLL / Loans
0.50%
Coverage
48.0%
True Loss Coverage
16.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.4% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.50% 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 01:06:52 UTC