Visbanking Logo
Skip to main content

New Valley Bank And Trust

IDRSSD: 5316920
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
85
/ 100
StrongAs of 2023-Q4QoQ -6

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 #5316920 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
86
Sub-score

Liquidity is strong: brokered 11.9%, loans/deposits 83.1%, cash 12.4% of assets.

Cash / Assets
12.44%
Loans / Deposits
83.08%
Brokered %
11.88%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.27%
No watch items at this period.

Capitalization

StableQoQ -6
74
Sub-score

Capital position is stable: Tier 1 RBC 11.14%, CET1 11.14%, leverage 9.31%.

Tier 1 RBC
11.14%
CET1
11.14%
Leverage
9.31%
No watch items at this period.

Asset Quality

StrongQoQ -11
89
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 5.1%, NCO YTD 0.33%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.33%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
83
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 164.6%, true coverage 164.6%.

ALLL / Loans
1.22%
Coverage
164.6%
True Loss Coverage
164.6%
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: 2026-05-15 11:26:44 UTC