Visbanking Logo
Skip to main content

Needham Bank

IDRSSD: 339773
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
80
/ 100
StableAs of 2026-Q1QoQ -4

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 #339773 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.5% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 9.3%, loans/deposits 101.5%, cash 4.7% of assets.

Cash / Assets
4.69%
Loans / Deposits
101.49%
Brokered %
9.34%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.34%
No watch items at this period.

Capitalization

StableQoQ -5
70
Sub-score

Capital position is stable: Tier 1 RBC 11.43%, CET1 11.43%, leverage 11.01%.

Tier 1 RBC
11.43%
CET1
11.43%
Leverage
11.01%
No watch items at this period.

Asset Quality

StrongQoQ 0
88
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 6.8%, NCO YTD 0.88%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.88%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -17
79
Sub-score

Reserves are stable: ALLL 1.28% of loans, coverage 140.2%, true coverage 140.2%.

ALLL / Loans
1.28%
Coverage
140.2%
True Loss Coverage
140.2%
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