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Nbt Financial Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #406059 2026-Q1 Vital Signs Score: 84/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ 0
92
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 85.0%, cash 20.8% of assets.

Cash / Assets
20.77%
Loans / Deposits
85.00%
Brokered %
0.96%
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
0.72%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 14.02%, CET1 14.02%, leverage 10.79%.

Tier 1 RBC
14.02%
CET1
14.02%
Leverage
10.79%
No watch items at this period.

Asset Quality

StableQoQ -4
78
Sub-score

Asset quality is stable: Adjusted NPL 2.31%, Texas Ratio 14.7%, NCO YTD 0.04%.

Adjusted NPL
2.31%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
0.04%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.31% (govt-guarantees stripped).

Reserves

WatchQoQ +6
44
Sub-score

Reserves are deteriorating: ALLL 1.35% of loans, coverage 59.1%, true coverage 59.1%.

ALLL / Loans
1.35%
Coverage
59.1%
True Loss Coverage
59.1%
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