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Citizens Savings Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #828473 2026-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.35% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +3
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.5%, cash 3.9% of assets.

Cash / Assets
3.86%
Loans / Deposits
95.54%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.59%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.11%, CET1 30.11%, leverage 15.09%.

Tier 1 RBC
30.11%
CET1
30.11%
Leverage
15.09%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 1.4%, NCO YTD 0.01%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.01%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -7
47
Sub-score

Reserves are deteriorating: ALLL 0.35% of loans, coverage 135.2%, true coverage 89.0%.

ALLL / Loans
0.35%
Coverage
135.2%
True Loss Coverage
89.0%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.35% 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