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The Citizens Bank

IDRSSD: 374130
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-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

2024-Q2

Bank #374130 2024-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

Liquidity:Strong
Securities:Strong
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 Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 15.1%, loans/deposits 75.9%, cash 9.4% of assets.

Cash / Assets
9.35%
Loans / Deposits
75.85%
Brokered %
15.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.53%
No watch items at this period.

Capitalization

StrongQoQ +3
85
Sub-score

Capital position is strong: Tier 1 RBC 13.03%, CET1 13.03%, leverage 8.80%.

Tier 1 RBC
13.03%
CET1
13.03%
Leverage
8.80%
No watch items at this period.

Asset Quality

StrongQoQ -8
85
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.9%, NCO YTD 0.69%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.69%
30-89 PD
1.82%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 825.7%, true coverage 731.6%.

ALLL / Loans
1.03%
Coverage
825.7%
True Loss Coverage
731.6%
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: 2026-05-15 02:28:24 UTC