Visbanking Logo
Skip to main content

Nbt Financial Bank

IDRSSD: 406059
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
84
/ 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 #406059 2025-Q4 Vital Signs Score: 84/100 — 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 2.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +6
92
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 85.4%, cash 20.0% of assets.

Cash / Assets
20.04%
Loans / Deposits
85.42%
Brokered %
0.97%
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
0.74%
No watch items at this period.

Capitalization

StrongQoQ +8
97
Sub-score

Capital position is strong: Tier 1 RBC 13.93%, CET1 13.93%, leverage 10.29%.

Tier 1 RBC
13.93%
CET1
13.93%
Leverage
10.29%
No watch items at this period.

Asset Quality

StrongQoQ -1
82
Sub-score

Asset quality is strong: Adjusted NPL 2.36%, Texas Ratio 15.3%, NCO YTD 0.00%.

Adjusted NPL
2.36%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
0.00%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.36% (govt-guarantees stripped).

Reserves

RiskQoQ +3
39
Sub-score

Reserves are weak: ALLL 1.27% of loans, coverage 54.7%, true coverage 54.7%.

ALLL / Loans
1.27%
Coverage
54.7%
True Loss Coverage
54.7%
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