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Citizens State Bank

IDRSSD: 212344
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #212344 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ +2
92
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 72.2%, cash 7.9% of assets.

Cash / Assets
7.88%
Loans / Deposits
72.21%
Brokered %
2.95%
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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 18.95%.

Tier 1 RBC
—
CET1
0.00%
Leverage
18.95%

Watch Items

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

Asset Quality

StableQoQ -17
79
Sub-score

Asset quality is stable: Adjusted NPL 0.72%, Texas Ratio 2.2%, NCO YTD -0.02%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
-0.02%
30-89 PD
2.38%
Band 0.3% / 3.0%
90+ PD
0.71%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -20
56
Sub-score

Reserves are deteriorating: ALLL 0.78% of loans, coverage 109.3%, true coverage 109.3%.

ALLL / Loans
0.78%
Coverage
109.3%
True Loss Coverage
109.3%
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: 2026-05-14 11:12:44 UTC