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The Citizens Bank Of Philadelphia Mississippi

IDRSSD: 29636
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2023-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

2023-Q4

Bank #29636 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↑ 0
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.3%, cash 6.9% of assets.

Cash / Assets
6.87%
Loans / Deposits
54.30%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ 0
75
Sub-score

Securities profile is stable: securities 27.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.60%
No watch items at this period.

Capitalization

StrongQoQ -1
91
Sub-score

Capital position is strong: Tier 1 RBC 13.80%, CET1 13.80%, leverage 8.57%.

Tier 1 RBC
13.80%
CET1
13.80%
Leverage
8.57%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 2.0%, NCO YTD -0.02%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
-0.02%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
84
Sub-score

Reserves are strong: ALLL 1.02% of loans, coverage 252.7%, true coverage 142.7%.

ALLL / Loans
1.02%
Coverage
252.7%
True Loss Coverage
142.7%
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 12:37:02 UTC