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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ -3

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

Quarterly Headline

2025-Q4

Bank #685023 2025-Q4 Vital Signs Score: 63/100 — 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
    ALLL / NPL below 50%
    Reserves — Coverage 46.6% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 85.7%, cash 6.9% of assets.

Cash / Assets
6.88%
Loans / Deposits
85.69%
Brokered %
1.70%
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
6.59%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.70%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.70%

Watch Items

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

Asset Quality

StableQoQ -7
61
Sub-score

Asset quality is stable: Adjusted NPL 2.11%, Texas Ratio 11.9%, NCO YTD 0.58%.

Adjusted NPL
2.11%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.58%
30-89 PD
5.48%
Band 0.3% / 3.0%
90+ PD
0.55%
Band 0.1% / 2.0%

Watch Items

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

Reserves

RiskQoQ -5
24
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 46.6%, true coverage 46.6%.

ALLL / Loans
0.97%
Coverage
46.6%
True Loss Coverage
46.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.6% (Adjusted NPL + Performing Mods denominator).

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