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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-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

2025-Q1

Bank #875655 2025-Q1 Vital Signs Score: 75/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.3% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.40% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +9
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.8%, cash 24.1% of assets.

Cash / Assets
24.10%
Loans / Deposits
53.85%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +9
94
Sub-score

Securities profile is strong: securities 21.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.93%
No watch items at this period.

Capitalization

StrongQoQ -2
88
Sub-score

Capital position is strong: Tier 1 RBC 14.31%, CET1 14.31%, leverage 7.62%.

Tier 1 RBC
14.31%
CET1
14.31%
Leverage
7.62%
No watch items at this period.

Asset Quality

StableQoQ -6
61
Sub-score

Asset quality is stable: Adjusted NPL 5.40%, Texas Ratio 32.9%, NCO YTD 0.00%.

Adjusted NPL
5.40%
Govt-guarantees stripped
Texas Ratio
32.9%
NCO YTD
0.00%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.40% (govt-guarantees stripped).

Reserves

RiskQoQ +2
25
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 23.3%, true coverage 22.0%.

ALLL / Loans
1.24%
Coverage
23.3%
True Loss Coverage
22.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.0% (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