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Nbt Financial Bank

IDRSSD: 406059
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
81
/ 100
StrongAs of 2024-Q3QoQ +5

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 #406059 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.31%.

What changed this quarter

Compared to Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +28

The five pillars

Liquidity

StrongQoQ -3
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 99.7%, cash 10.8% of assets.

Cash / Assets
10.75%
Loans / Deposits
99.71%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.82%
No watch items at this period.

Capitalization

StrongQoQ -4
87
Sub-score

Capital position is strong: Tier 1 RBC 12.74%, CET1 12.74%, leverage 10.89%.

Tier 1 RBC
12.74%
CET1
12.74%
Leverage
10.89%
No watch items at this period.

Asset Quality

StableQoQ +9
72
Sub-score

Asset quality is stable: Adjusted NPL 1.32%, Texas Ratio 9.8%, NCO YTD -0.01%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
-0.01%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
1.31%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.31%.

Reserves

WatchQoQ +28
59
Sub-score

Reserves are deteriorating: ALLL 1.16% of loans, coverage 89.1%, true coverage 89.1%.

ALLL / Loans
1.16%
Coverage
89.1%
True Loss Coverage
89.1%
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: 2026-05-12 21:53:33 UTC