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Citizens State Bank Norwood Young America

IDRSSD: 875655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #875655 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +5
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -9

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.9%, cash 19.1% of assets.

Cash / Assets
19.06%
Loans / Deposits
58.86%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +5
85
Sub-score

Securities profile is strong: securities 24.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.38%
No watch items at this period.

Capitalization

StrongQoQ -3
88
Sub-score

Capital position is strong: Tier 1 RBC 14.30%, CET1 14.30%, leverage 7.81%.

Tier 1 RBC
14.30%
CET1
14.30%
Leverage
7.81%
No watch items at this period.

Asset Quality

StrongQoQ +6
84
Sub-score

Asset quality is strong: Adjusted NPL 2.06%, Texas Ratio 12.7%, NCO YTD 0.00%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
0.00%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).

Reserves

RiskQoQ -9
24
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 57.1%, true coverage 30.4%.

ALLL / Loans
1.16%
Coverage
57.1%
True Loss Coverage
30.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.4% (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