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Citizens State Bank

IDRSSD: 356239
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
88
/ 100
StrongAs of 2025-Q2QoQ -1

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 #356239 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.42% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +5
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.1%, cash 2.4% of assets.

Cash / Assets
2.42%
Loans / Deposits
68.08%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.42% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.42%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.16%, CET1 15.16%, leverage 10.22%.

Tier 1 RBC
15.16%
CET1
15.16%
Leverage
10.22%
No watch items at this period.

Asset Quality

StrongQoQ 0
84
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 5.2%, NCO YTD 0.01%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.01%
30-89 PD
1.51%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -17
69
Sub-score

Reserves are stable: ALLL 1.09% of loans, coverage 123.0%, true coverage 123.0%.

ALLL / Loans
1.09%
Coverage
123.0%
True Loss Coverage
123.0%
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: 2026-05-12 01:17:19 UTC