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The Citizens Bank

IDRSSD: 571135
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #571135 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.40%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.10% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 32.6%, cash 11.1% of assets.

Cash / Assets
11.08%
Loans / Deposits
32.57%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.15%, CET1 26.15%, leverage 12.33%.

Tier 1 RBC
26.15%
CET1
26.15%
Leverage
12.33%
No watch items at this period.

Asset Quality

StableQoQ -2
66
Sub-score

Asset quality is stable: Adjusted NPL 2.10%, Texas Ratio 4.8%, NCO YTD 0.06%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.06%
30-89 PD
1.69%
Band 0.3% / 3.0%
90+ PD
1.40%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.40%.

Reserves

WatchQoQ +4
45
Sub-score

Reserves are deteriorating: ALLL 1.30% of loans, coverage 62.8%, true coverage 62.8%.

ALLL / Loans
1.30%
Coverage
62.8%
True Loss Coverage
62.8%
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: 2026-05-13 06:57:52 UTC