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Citizens Savings Bank

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -13

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

Quarterly Headline

2023-Q4

Bank #828473 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.95% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -9
66
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 98.6%, cash 1.0% of assets.

Cash / Assets
0.95%
Loans / Deposits
98.56%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.31%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.01%, CET1 30.01%, leverage 14.58%.

Tier 1 RBC
30.01%
CET1
30.01%
Leverage
14.58%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 2.0%, NCO YTD 0.00%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.00%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
26
Sub-score

Reserves are weak: ALLL 0.37% of loans, coverage 94.3%, true coverage 64.7%.

ALLL / Loans
0.37%
Coverage
94.3%
True Loss Coverage
64.7%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% of loans.

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: 2026-05-13 09:49:08 UTC