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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ +5

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 #55635 2025-Q3 Vital Signs Score: 79/100 — 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 25.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.1% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.47% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +6
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 92.8%, cash 10.6% of assets.

Cash / Assets
10.60%
Loans / Deposits
92.84%
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
1.60%
No watch items at this period.

Capitalization

StrongQoQ +3
97
Sub-score

Capital position is strong: Tier 1 RBC 14.41%, CET1 14.41%, leverage 9.40%.

Tier 1 RBC
14.41%
CET1
14.41%
Leverage
9.40%
No watch items at this period.

Asset Quality

StableQoQ +10
77
Sub-score

Asset quality is stable: Adjusted NPL 2.47%, Texas Ratio 20.2%, NCO YTD 0.10%.

Adjusted NPL
2.47%
Govt-guarantees stripped
Texas Ratio
20.2%
NCO YTD
0.10%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.47% (govt-guarantees stripped).

Reserves

RiskQoQ +1
18
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 43.1%, true coverage 25.7%.

ALLL / Loans
1.05%
Coverage
43.1%
True Loss Coverage
25.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.7% (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