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The Citizens National Bank Of Meridian

IDRSSD: 69333
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
86
/ 100
StrongAs of 2025-Q4QoQ -1

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 #69333 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.36% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.9%, cash 1.4% of assets.

Cash / Assets
1.36%
Loans / Deposits
84.94%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.36% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.08%
No watch items at this period.

Capitalization

StrongQoQ -7
88
Sub-score

Capital position is strong: Tier 1 RBC 12.84%, CET1 12.84%, leverage 11.29%.

Tier 1 RBC
12.84%
CET1
12.84%
Leverage
11.29%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 1.11%, Texas Ratio 6.4%, NCO YTD 0.13%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.13%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
71
Sub-score

Reserves are stable: ALLL 1.22% of loans, coverage 112.1%, true coverage 108.2%.

ALLL / Loans
1.22%
Coverage
112.1%
True Loss Coverage
108.2%
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: 2026-05-15 05:03:27 UTC