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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #55635 2025-Q2 Vital Signs Score: 74/100 — 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. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.7% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.69% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -6
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 95.8%, cash 7.9% of assets.

Cash / Assets
7.91%
Loans / Deposits
95.79%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.62%
No watch items at this period.

Capitalization

StrongQoQ -2
94
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 9.40%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
9.40%
No watch items at this period.

Asset Quality

StableQoQ +12
67
Sub-score

Asset quality is stable: Adjusted NPL 2.69%, Texas Ratio 22.5%, NCO YTD 0.62%.

Adjusted NPL
2.69%
Govt-guarantees stripped
Texas Ratio
22.5%
NCO YTD
0.62%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.69% (govt-guarantees stripped).

Reserves

RiskQoQ -5
18
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 38.7%, true coverage 27.8%.

ALLL / Loans
1.03%
Coverage
38.7%
True Loss Coverage
27.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (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 01:06:52 UTC