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Natbank National Association

IDRSSD: 2233875
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
90
/ 100
StrongAs of 2026-Q1QoQ -1

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 #2233875 2026-Q1 Vital Signs Score: 90/100 — 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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 105.8%, cash 22.5% of assets.

Cash / Assets
22.55%
Loans / Deposits
105.77%
Brokered %
7.51%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 63.45%, CET1 63.45%, leverage 29.19%.

Tier 1 RBC
63.45%
CET1
63.45%
Leverage
29.19%
No watch items at this period.

Asset Quality

StrongQoQ -5
92
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
1.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
75
Sub-score

Reserves are stable: ALLL 0.76% of loans, coverage 553.9%, true coverage 189.6%.

ALLL / Loans
0.76%
Coverage
553.9%
True Loss Coverage
189.6%
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: 2026-05-13 11:39:13 UTC