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Nbt Financial Bank

IDRSSD: 406059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #406059 2025-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +1
86
Sub-score

Liquidity is strong: brokered 7.7%, loans/deposits 88.4%, cash 20.5% of assets.

Cash / Assets
20.46%
Loans / Deposits
88.40%
Brokered %
7.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.70%
No watch items at this period.

Capitalization

StrongQoQ 0
89
Sub-score

Capital position is strong: Tier 1 RBC 12.88%, CET1 12.88%, leverage 10.70%.

Tier 1 RBC
12.88%
CET1
12.88%
Leverage
10.70%
No watch items at this period.

Asset Quality

StrongQoQ 0
83
Sub-score

Asset quality is strong: Adjusted NPL 2.20%, Texas Ratio 15.5%, NCO YTD -0.01%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
-0.01%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).

Reserves

RiskQoQ +1
35
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 54.4%, true coverage 54.4%.

ALLL / Loans
1.18%
Coverage
54.4%
True Loss Coverage
54.4%
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