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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs 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 #356239 2025-Q4 Vital Signs Score: 79/100 — overall stable. 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.08% of loans.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.4% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +19
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ +19
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.4%, cash 11.1% of assets.

Cash / Assets
11.09%
Loans / Deposits
65.45%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.08%, CET1 15.08%, leverage 10.36%.

Tier 1 RBC
15.08%
CET1
15.08%
Leverage
10.36%
No watch items at this period.

Asset Quality

StableQoQ -9
69
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 9.9%, NCO YTD 2.08%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
2.08%
30-89 PD
1.04%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.08% of loans.

Reserves

RiskQoQ -27
13
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 42.4%, true coverage 42.4%.

ALLL / Loans
0.71%
Coverage
42.4%
True Loss Coverage
42.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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