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Citizens State Bank

IDRSSD: 149150
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
83
/ 100
StrongAs of 2025-Q2QoQ +2

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 #149150 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.76% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.0% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 101.0%, cash 1.8% of assets.

Cash / Assets
1.76%
Loans / Deposits
101.05%
Brokered %
2.67%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.76% 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

StableQoQ +1
63
Sub-score

Capital position is stable: Tier 1 RBC 11.19%, CET1 11.19%, leverage 8.24%.

Tier 1 RBC
11.19%
CET1
11.19%
Leverage
8.24%
No watch items at this period.

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 4.0%, NCO YTD 0.00%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.00%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 303.3%, true coverage 280.2%.

ALLL / Loans
1.37%
Coverage
303.3%
True Loss Coverage
280.2%
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.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 05:13:18 UTC