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Citizens Savings Bank

IDRSSD: 828473
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 828473 held $358.9M in total assets as of 2026-03-31 (+1.0% quarter-over-quarter). Total loans stood at $290.6M (-0.0% QoQ) and total deposits at $304.2M (+1.2% QoQ).

Overall position is adequate — the composite Health Score is 48/100 (Adequate). Tier 1 / RWA stands at 30.11%, in the top quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
48/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$358.9M
+1.0% QoQ
Total Loans
$290.6M
-0.0% QoQ
Total Deposits
$304.2M
+1.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
30.11%
92th pctile · n=272↑ better
-28 bp QoQ
CET1 / RWA
30.11%
96th pctile · n=500↑ better
-28 bp QoQ
Total RBC / RWA
30.70%
92th pctile · n=272↑ better
-28 bp QoQ
Tier 1 Leverage Ratio
30.11%
96th pctile · n=500↑ better
-28 bp QoQ

Liquidity

Cash / Assets
3.86%
34th pctile · n=500↑ better
+116 bp QoQ
Loans / Deposits
95.54%
84th pctile · n=496↓ better
-115 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.26%
43th pctile · n=500↓ better
+3 bp QoQ
NPA / Assets
0.21%
43th pctile · n=500↓ better
+2 bp QoQ
Texas Ratio (regulatory)
1.36%
39th pctile · n=500↓ better
+14 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
61th pctile · n=500↓ better
ALLL Coverage of NPL
135.21%
43th pctile · n=500↑ better
-1390 bp QoQ

Earnings

Net Interest Margin
2.57%
3th pctile · n=500↑ better
+5 bp QoQ
Return on Assets
0.16%
6th pctile · n=500↑ better
-11 bp QoQ
Return on Equity
1.09%
5th pctile · n=500↑ better
-69 bp QoQ
Efficiency Ratio
91.17%
94th pctile · n=500↓ better
+339 bp QoQ
Pre-tax NOI / Avg Assets
0.21%
6th pctile · n=500↑ better
-12 bp QoQ

Funding

Brokered / Deposits
0.00%
26th pctile · n=496↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
22th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.64%
31th pctile · n=500↑ better
-19 bp QoQ
AFS Securities / Assets
10.61%
38th pctile · n=500↑ better
-19 bp QoQ
HTM Securities / Assets
0.03%
71th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 09:49:47 UTC