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The Citizens National Bank Of Hammond

IDRSSD: 855303
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #855303 2024-Q3 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +12
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.2%, cash 10.8% of assets.

Cash / Assets
10.76%
Loans / Deposits
82.21%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.07%
No watch items at this period.

Capitalization

StrongQoQ +2
98
Sub-score

Capital position is strong: Tier 1 RBC 16.59%, CET1 16.59%, leverage 9.53%.

Tier 1 RBC
16.59%
CET1
16.59%
Leverage
9.53%
No watch items at this period.

Asset Quality

StrongQoQ -5
86
Sub-score

Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.1%, NCO YTD 0.09%.

Adjusted NPL
0.01%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.09%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
71
Sub-score

Reserves are stable: ALLL 0.64% of loans, coverage 4533.3%, true coverage 4533.3%.

ALLL / Loans
0.64%
Coverage
4533.3%
True Loss Coverage
4533.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% 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: 2026-05-14 19:53:13 UTC