Liquidity
StrongQoQ +6
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 40.6%, cash 12.7% of assets.
- Cash / Assets
- 12.72%
- Loans / Deposits
- 40.57%
- Brokered %
- 0.00%
No watch items at this period.
Citizens Savings Bank
IDRSSD: 758842
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ +2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #758842 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↑ +2 ptscomposite
- Liquidity↑ +6
- Securities↑ +6
- Capitalization↓ 0
- Asset Quality↓ 0
- Reserves↑ +1
The five pillars
Securities
RiskQoQ +6
38
Sub-score
Securities profile is weak: securities 38.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 38.58%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
97
Sub-score
Capital position is strong: Tier 1 RBC 17.78%, CET1 17.78%, leverage 9.38%.
- Tier 1 RBC
- 17.78%
- CET1
- 17.78%
- Leverage
- 9.38%
No watch items at this period.
Asset Quality
StrongQoQ 0
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.01%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.33%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +1
57
Sub-score
Reserves are deteriorating: ALLL 1.07% of loans.
- ALLL / Loans
- 1.07%
- 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.tsfor 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