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Neighborhood National Bank

IDRSSD: 2333140
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -12

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

Quarterly Headline

2023-Q4

Bank #2333140 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
73
Sub-score

Liquidity is stable: brokered 4.2%, loans/deposits 94.5%, cash 4.4% of assets.

Cash / Assets
4.39%
Loans / Deposits
94.45%
Brokered %
4.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.29%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.79%, CET1 15.79%, leverage 12.87%.

Tier 1 RBC
15.79%
CET1
15.79%
Leverage
12.87%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 2.41%, Texas Ratio 13.9%, NCO YTD 0.00%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

Watch
57
Sub-score

Reserves are deteriorating: ALLL 1.66% of loans, coverage 70.0%, true coverage 70.0%.

ALLL / Loans
1.66%
Coverage
70.0%
True Loss Coverage
70.0%
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: 2026-05-14 02:36:18 UTC