Visbanking Logo
Skip to main content

Hyden Citizens Bank

IDRSSD: 211114
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 211114 held $144.3M in total assets as of 2026-03-31 (-1.2% quarter-over-quarter). Total loans stood at $82.5M (+0.4% QoQ) and total deposits at $128.3M (-0.0% QoQ).

Overall position is adequate — the composite Health Score is 49/100 (Adequate). Tier 1 / RWA stands at 12.62%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
49/100
Adequate
Active Alerts
2
0 critical, 2 warning
Total Assets
$144.3M
-1.2% QoQ
Total Loans
$82.5M
+0.4% QoQ
Total Deposits
$128.3M
-0.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.62%
14th pctile · n=210↑ better
+7 bp QoQ
CET1 / RWA
12.62%
64th pctile · n=500↑ better
+7 bp QoQ
Total RBC / RWA
13.36%
13th pctile · n=210↑ better
+7 bp QoQ
Tier 1 Leverage Ratio
12.62%
64th pctile · n=500↑ better
+7 bp QoQ

Liquidity

Cash / Assets
0.00%
5th pctile · n=500↑ better
Loans / Deposits
64.28%
34th pctile · n=492↓ better
+30 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.33%
49th pctile · n=500↓ better
-2 bp QoQ
NPA / Assets
0.19%
43th pctile · n=500↓ better
-1 bp QoQ
Texas Ratio (regulatory)
1.94%
49th pctile · n=500↓ better
-9 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
73th pctile · n=500↓ better
-7 bp QoQ
ALLL Coverage of NPL
285.97%
68th pctile · n=500↑ better
+1200 bp QoQ

Earnings

Net Interest Margin
4.23%
68th pctile · n=500↑ better
+5 bp QoQ
Return on Assets
1.02%
40th pctile · n=500↑ better
-30 bp QoQ
Return on Equity
15.47%
79th pctile · n=500↑ better
-503 bp QoQ
Efficiency Ratio
73.60%
71th pctile · n=500↓ better
+541 bp QoQ
Pre-tax NOI / Avg Assets
1.02%
31th pctile · n=500↑ better
-30 bp QoQ

Funding

Brokered / Deposits
0.00%
34th pctile · n=492↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.22%
70th pctile · n=500↓ better
-108 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
35.74%
80th pctile · n=500↑ better
-81 bp QoQ
AFS Securities / Assets
35.74%
84th pctile · n=500↑ better
-81 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 02:25:38 UTC