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Banknorth

IDRSSD: 721350
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
78
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #721350 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.8% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.04% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ 0
59
Sub-score

Liquidity is deteriorating: brokered 4.2%, loans/deposits 116.8%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
116.82%
Brokered %
4.23%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.06%
No watch items at this period.

Capitalization

WatchQoQ -3
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.97%, CET1 9.97%, leverage 9.99%.

Tier 1 RBC
9.97%
CET1
9.97%
Leverage
9.99%
No watch items at this period.

Asset Quality

StrongQoQ -3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.6%, NCO YTD 0.01%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.01%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 331.9%, true coverage 331.9%.

ALLL / Loans
1.06%
Coverage
331.9%
True Loss Coverage
331.9%
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 15:16:33 UTC