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The Citizens National Bank Of Mcconnelsville

IDRSSD: 685023
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
66
/ 100
StableAs of 2025-Q3QoQ -12

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 #685023 2025-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -12 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -51

The five pillars

Liquidity

StrongQoQ -6
86
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 82.8%, cash 7.1% of assets.

Cash / Assets
7.13%
Loans / Deposits
82.82%
Brokered %
1.65%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.57%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.21%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.21%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -13
68
Sub-score

Asset quality is stable: Adjusted NPL 2.11%, Texas Ratio 11.9%, NCO YTD 0.13%.

Adjusted NPL
2.11%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.13%
30-89 PD
2.87%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.11% (govt-guarantees stripped).

Reserves

RiskQoQ -51
29
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 50.6%, true coverage 50.6%.

ALLL / Loans
1.06%
Coverage
50.6%
True Loss Coverage
50.6%
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: 2026-05-14 13:40:08 UTC