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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #406059 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.37% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ -11
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.0%, cash 5.2% of assets.

Cash / Assets
5.17%
Loans / Deposits
100.00%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.83%
No watch items at this period.

Capitalization

StrongQoQ 0
87
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 11.08%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
11.08%
No watch items at this period.

Asset Quality

StableQoQ -1
71
Sub-score

Asset quality is stable: Adjusted NPL 2.37%, Texas Ratio 17.3%, NCO YTD -0.13%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
-0.13%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).

Reserves

RiskQoQ -27
31
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 49.7%, true coverage 49.7%.

ALLL / Loans
1.16%
Coverage
49.7%
True Loss Coverage
49.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

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