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Bank Northwest

IDRSSD: 645157
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #645157 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 0.7%, loans/deposits 93.4%, cash 3.6% of assets.

Cash / Assets
3.57%
Loans / Deposits
93.36%
Brokered %
0.69%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.01%
No watch items at this period.

Capitalization

WatchQoQ -15
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.69%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.69%

Watch Items

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

Asset Quality

StrongQoQ +17
100
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.7%, NCO YTD -0.01%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
-0.01%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
82
Sub-score

Reserves are strong: ALLL 0.95% of loans, coverage 1076.7%, true coverage 623.8%.

ALLL / Loans
0.95%
Coverage
1076.7%
True Loss Coverage
623.8%
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: 2026-05-12 16:19:07 UTC