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Banknorth

IDRSSD: 721350
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #721350 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.4% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.38% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +1
63
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 102.4%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
102.42%
Brokered %
5.39%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.38% 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

StableQoQ +4
63
Sub-score

Capital position is stable: Tier 1 RBC 10.54%, CET1 10.54%, leverage 10.08%.

Tier 1 RBC
10.54%
CET1
10.54%
Leverage
10.08%
No watch items at this period.

Asset Quality

StrongQoQ -7
86
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.4%, NCO YTD 0.01%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.01%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 242.9%, true coverage 242.9%.

ALLL / Loans
1.04%
Coverage
242.9%
True Loss Coverage
242.9%
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