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Citizens Savings Bank

IDRSSD: 758842
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #758842 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.79% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    ↓ -8
  • Capitalization
    ↑ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -10
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.9%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
41.86%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.79% of assets (threshold 3%).

Securities

RiskQoQ -8
23
Sub-score

Securities profile is weak: securities 43.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.98%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 19.51%, CET1 19.51%, leverage 9.96%.

Tier 1 RBC
19.51%
CET1
19.51%
Leverage
9.96%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
66
Sub-score

Reserves are stable: ALLL 1.16% of loans.

ALLL / Loans
1.16%
Coverage
—
True Loss Coverage
—
No watch items at this period.

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 00:50:35 UTC