Liquidity
StableQoQ +5
78
Sub-score
Liquidity is stable: brokered 2.2%, loans/deposits 83.0%, cash 3.5% of assets.
- Cash / Assets
- 3.49%
- Loans / Deposits
- 82.99%
- Brokered %
- 2.17%
No watch items at this period.
Nbt Bank National Association
IDRSSD: 702117
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2024-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
2024-Q3
Bank #702117 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↑ +1 ptscomposite
- Liquidity↑ +5
- Securities— —
- Capitalization↑ +1
- Asset Quality↓ 0
- Reserves↓ -1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 7.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 7.16%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +1
74
Sub-score
Capital position is stable: Tier 1 RBC 11.81%, CET1 11.81%, leverage 9.26%.
- Tier 1 RBC
- 11.81%
- CET1
- 11.81%
- Leverage
- 9.26%
No watch items at this period.
Asset Quality
StrongQoQ 0
99
Sub-score
Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.7%, NCO YTD 0.16%.
- Adjusted NPL
- 0.38%
- Texas Ratio
- 2.7%
- NCO YTD
- 0.16%
- 30-89 PD
- 0.33%
- 90+ PD
- 0.04%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -1
90
Sub-score
Reserves are strong: ALLL 1.21% of loans, coverage 320.2%, true coverage 314.9%.
- ALLL / Loans
- 1.21%
- Coverage
- 320.2%
- True Loss Coverage
- 314.9%
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.tsfor 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 14:03:31 UTC