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Nbkc Bank

IDRSSD: 2747587
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 -3

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 #2747587 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 194.2% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ +5
67
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 85.8%, cash 11.5% of assets.

Cash / Assets
11.51%
Loans / Deposits
85.78%
Brokered %
7.45%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 194.2% of deposits (threshold 50%).

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 22.30%, CET1 22.30%, leverage 16.71%.

Tier 1 RBC
22.30%
CET1
22.30%
Leverage
16.71%
No watch items at this period.

Asset Quality

StrongQoQ -4
90
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 4.5%, NCO YTD 0.04%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.04%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -17
70
Sub-score

Reserves are stable: ALLL 1.33% of loans, coverage 120.2%, true coverage 85.8%.

ALLL / Loans
1.33%
Coverage
120.2%
True Loss Coverage
85.8%
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: 2026-05-13 13:32:30 UTC