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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ +3

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

Quarterly Headline

2025-Q2

Bank #875655 2025-Q2 Vital Signs Score: 78/100 — 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 33.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.5% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +1
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.4%, cash 22.5% of assets.

Cash / Assets
22.50%
Loans / Deposits
56.36%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +1
95
Sub-score

Securities profile is strong: securities 21.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.49%
No watch items at this period.

Capitalization

StrongQoQ 0
88
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 7.64%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
7.64%
No watch items at this period.

Asset Quality

StableQoQ +7
69
Sub-score

Asset quality is stable: Adjusted NPL 3.58%, Texas Ratio 22.1%, NCO YTD -0.32%.

Adjusted NPL
3.58%
Govt-guarantees stripped
Texas Ratio
22.1%
NCO YTD
-0.32%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.58% (govt-guarantees stripped).

Reserves

RiskQoQ +3
28
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 36.5%, true coverage 33.8%.

ALLL / Loans
1.29%
Coverage
36.5%
True Loss Coverage
33.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (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