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New Valley Bank And Trust

IDRSSD: 5316920
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 5316920 held $381.1M in total assets as of 2026-03-31 (+12.4% quarter-over-quarter). Total loans stood at $253.4M (-1.5% QoQ) and total deposits at $317.0M (+15.4% QoQ).

Overall position is weak — the composite Health Score is 27/100 (Weak). Tier 1 / RWA stands at 10.71%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
27/100
Weak
Active Alerts
2
0 critical, 0 warning
Total Assets
$381.1M
+12.4% QoQ
Total Loans
$253.4M
-1.5% QoQ
Total Deposits
$317.0M
+15.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.71%
11th pctile · n=282↑ better
+29 bp QoQ
CET1 / RWA
10.71%
50th pctile · n=500↑ better
+29 bp QoQ
Total RBC / RWA
11.97%
13th pctile · n=282↑ better
+29 bp QoQ
Tier 1 Leverage Ratio
10.71%
50th pctile · n=500↑ better
+29 bp QoQ

Liquidity

Cash / Assets
18.43%
92th pctile · n=500↑ better
+1170 bp QoQ
Loans / Deposits
79.94%
51th pctile · n=497↓ better
-1373 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
2.69%
93th pctile · n=500↓ better
-39 bp QoQ
NPA / Assets
1.82%
91th pctile · n=500↓ better
-56 bp QoQ
Texas Ratio (regulatory)
20.45%
95th pctile · n=500↓ better
-341 bp QoQ
Net Charge-Offs / Avg Loans
0.11%
84th pctile · n=500↓ better
-204 bp QoQ
ALLL Coverage of NPL
64.37%
26th pctile · n=500↑ better
+475 bp QoQ

Earnings

Net Interest Margin
2.97%
10th pctile · n=500↑ better
-10 bp QoQ
Return on Assets
0.43%
12th pctile · n=500↑ better
+2 bp QoQ
Return on Equity
5.73%
18th pctile · n=500↑ better
+31 bp QoQ
Efficiency Ratio
90.15%
93th pctile · n=500↓ better
+629 bp QoQ
Pre-tax NOI / Avg Assets
0.60%
14th pctile · n=500↑ better
+3 bp QoQ

Funding

Brokered / Deposits
4.52%
76th pctile · n=497↓ better
-69 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
9.47%
88th pctile · n=500↓ better
-129 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
11.52%
33th pctile · n=500↑ better
-119 bp QoQ
AFS Securities / Assets
5.76%
21th pctile · n=500↑ better
-48 bp QoQ
HTM Securities / Assets
5.76%
88th pctile · n=500↑ better
-71 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 11:26:37 UTC