Visbanking Logo
Skip to main content

Citizens State Bank Of Milford

IDRSSD: 771047
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #771047 2026-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ +4
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.7%, cash 11.4% of assets.

Cash / Assets
11.36%
Loans / Deposits
41.66%
Brokered %
0.00%
No watch items at this period.

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

StrongQoQ +3
84
Sub-score

Capital position is strong: Tier 1 RBC 13.47%, CET1 13.47%, leverage 8.54%.

Tier 1 RBC
13.47%
CET1
13.47%
Leverage
8.54%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 0.7%, NCO YTD -0.02%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
-0.02%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
68
Sub-score

Reserves are stable: ALLL 0.54% of loans, coverage 336.1%, true coverage 336.1%.

ALLL / Loans
0.54%
Coverage
336.1%
True Loss Coverage
336.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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: 2026-05-15 08:17:11 UTC