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New Haven Bank

IDRSSD: 3843392
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #3843392 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.8% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 6.5%, loans/deposits 112.8%, cash 6.6% of assets.

Cash / Assets
6.62%
Loans / Deposits
112.77%
Brokered %
6.49%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -7
72
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 9.04%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
9.04%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.5%, NCO YTD 0.02%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.02%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 688.5%, true coverage 688.5%.

ALLL / Loans
1.16%
Coverage
688.5%
True Loss Coverage
688.5%
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 10:52:22 UTC