Visbanking Logo
Skip to main content

Citizens State Bank Of Lankin

IDRSSD: 940852
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q4QoQ -9

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

Quarterly Headline

2025-Q4

Bank #940852 2025-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.98% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -44

The five pillars

Liquidity

StableQoQ +1
69
Sub-score

Liquidity is stable: brokered 10.0%, loans/deposits 83.3%, cash 2.0% of assets.

Cash / Assets
1.98%
Loans / Deposits
83.30%
Brokered %
9.95%

Watch Items

  • watchCash / Assets below 3% — Cash 1.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.41%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.41%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -10
74
Sub-score

Asset quality is stable: Adjusted NPL 1.49%, Texas Ratio 9.6%, NCO YTD 0.02%.

Adjusted NPL
1.49%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.02%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
1.39%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.39%.

Reserves

RiskQoQ -44
13
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 45.1%, true coverage 45.1%.

ALLL / Loans
0.67%
Coverage
45.1%
True Loss Coverage
45.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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: 2026-05-14 23:30:11 UTC