Liquidity
StrongQoQ +9
90
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 60.0%, cash 5.4% of assets.
- Cash / Assets
- 5.43%
- Loans / Deposits
- 60.03%
- Brokered %
- 0.00%
No watch items at this period.
Citizens State Bank Of Roseau
IDRSSD: 822051
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
84
/ 100
StrongAs of 2025-Q1QoQ +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-Q1
Bank #822051 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2024:
↑ +3 ptscomposite
- Liquidity↑ +9
- Securities— —
- Capitalization— —
- Asset Quality↑ +1
- Reserves↑ +3
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 17.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 17.01%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 12.94%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 12.94%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 1.8%, NCO YTD 0.12%.
- Adjusted NPL
- 0.46%
- Texas Ratio
- 1.8%
- NCO YTD
- 0.12%
- 30-89 PD
- 0.35%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +3
89
Sub-score
Reserves are strong: ALLL 1.17% of loans, coverage 257.0%, true coverage 156.7%.
- ALLL / Loans
- 1.17%
- Coverage
- 257.0%
- True Loss Coverage
- 156.7%
No watch items at this period.
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.tsfor 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 00:54:33 UTC