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Needham Bank

IDRSSD: 339773
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
86
/ 100
StrongAs of 2024-Q3QoQ -2

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 #339773 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.1% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -2
63
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 104.1%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
104.06%
Brokered %
8.15%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.13%
No watch items at this period.

Capitalization

StrongQoQ -5
89
Sub-score

Capital position is strong: Tier 1 RBC 13.00%, CET1 13.00%, leverage 12.62%.

Tier 1 RBC
13.00%
CET1
13.00%
Leverage
12.62%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.5%, NCO YTD 0.50%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.50%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 234.9%, true coverage 234.9%.

ALLL / Loans
0.89%
Coverage
234.9%
True Loss Coverage
234.9%
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: 2026-05-13 04:02:58 UTC