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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -16

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

Quarterly Headline

2024-Q4

Bank #855303 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.8% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.29%.

What changed this quarter

Compared to Q3 2024:
↓ -16 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -57

The five pillars

Liquidity

StrongQoQ -7
87
Sub-score

Liquidity is strong: brokered 7.3%, loans/deposits 76.1%, cash 7.9% of assets.

Cash / Assets
7.86%
Loans / Deposits
76.11%
Brokered %
7.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.88%
No watch items at this period.

Capitalization

StrongQoQ -4
94
Sub-score

Capital position is strong: Tier 1 RBC 16.87%, CET1 16.87%, leverage 8.57%.

Tier 1 RBC
16.87%
CET1
16.87%
Leverage
8.57%
No watch items at this period.

Asset Quality

StableQoQ -21
65
Sub-score

Asset quality is stable: Adjusted NPL 1.39%, Texas Ratio 10.6%, NCO YTD 0.00%.

Adjusted NPL
1.39%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.00%
30-89 PD
3.74%
Band 0.3% / 3.0%
90+ PD
1.29%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.29%.

Reserves

RiskQoQ -57
15
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 48.8%, true coverage 48.8%.

ALLL / Loans
0.67%
Coverage
48.8%
True Loss Coverage
48.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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