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Citizens State Bank Of Waverly Inc

IDRSSD: 213958
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
81
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #213958 2025-Q4 Vital Signs Score: 81/100 — overall strong. 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
    ALLL / NPL below 50%
    Reserves — Coverage 39.8% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -11

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.6%, cash 10.9% of assets.

Cash / Assets
10.93%
Loans / Deposits
55.58%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.11%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 17.13%, CET1 17.13%, leverage 9.28%.

Tier 1 RBC
17.13%
CET1
17.13%
Leverage
9.28%
No watch items at this period.

Asset Quality

StableQoQ -5
70
Sub-score

Asset quality is stable: Adjusted NPL 2.96%, Texas Ratio 14.6%, NCO YTD 1.04%.

Adjusted NPL
2.96%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
1.04%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.96% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.04% of loans.

Reserves

RiskQoQ -11
27
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 39.8%, true coverage 39.8%.

ALLL / Loans
1.17%
Coverage
39.8%
True Loss Coverage
39.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.8% (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: 2026-05-15 05:21:59 UTC