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New Haven Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ +3

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

Quarterly Headline

2025-Q2

Bank #3843392 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.4% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ -4
72
Sub-score

Liquidity is stable: brokered 1.9%, loans/deposits 111.4%, cash 7.0% of assets.

Cash / Assets
6.97%
Loans / Deposits
111.39%
Brokered %
1.90%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.4% (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

WatchQoQ -2
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.49%, CET1 10.49%, leverage 8.14%.

Tier 1 RBC
10.49%
CET1
10.49%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 3.0%, NCO YTD 0.15%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.15%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +22
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 351.9%, true coverage 351.9%.

ALLL / Loans
1.12%
Coverage
351.9%
True Loss Coverage
351.9%
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: 2026-05-14 10:52:22 UTC