Visbanking Logo
Skip to main content

Citizens State Bank Norwood Young America

IDRSSD: 875655
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
79
/ 100
StableAs of 2023-Q4QoQ -14

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 #875655 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.35%.

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -3
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.3%, cash 17.8% of assets.

Cash / Assets
17.83%
Loans / Deposits
56.32%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -3
80
Sub-score

Securities profile is strong: securities 25.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.87%
No watch items at this period.

Capitalization

StrongQoQ +4
90
Sub-score

Capital position is strong: Tier 1 RBC 15.68%, CET1 15.68%, leverage 8.27%.

Tier 1 RBC
15.68%
CET1
15.68%
Leverage
8.27%
No watch items at this period.

Asset Quality

StableQoQ -22
78
Sub-score

Asset quality is stable: Adjusted NPL 1.79%, Texas Ratio 10.0%, NCO YTD 0.00%.

Adjusted NPL
1.79%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.00%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
1.35%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.35%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 72.8%, true coverage 33.3%.

ALLL / Loans
1.29%
Coverage
72.8%
True Loss Coverage
33.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.3% (Adjusted NPL + Performing Mods denominator).

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 21:22:54 UTC