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New Valley Bank And Trust

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #5316920 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.04% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +2
88
Sub-score

Liquidity is strong: brokered 9.3%, loans/deposits 82.2%, cash 12.5% of assets.

Cash / Assets
12.53%
Loans / Deposits
82.21%
Brokered %
9.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.11%
No watch items at this period.

Capitalization

StableQoQ -7
65
Sub-score

Capital position is stable: Tier 1 RBC 11.11%, CET1 11.11%, leverage 8.74%.

Tier 1 RBC
11.11%
CET1
11.11%
Leverage
8.74%
No watch items at this period.

Asset Quality

StrongQoQ -10
82
Sub-score

Asset quality is strong: Adjusted NPL 2.04%, Texas Ratio 14.5%, NCO YTD 0.23%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.23%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).

Reserves

StableQoQ -6
66
Sub-score

Reserves are stable: ALLL 1.65% of loans, coverage 82.6%, true coverage 82.6%.

ALLL / Loans
1.65%
Coverage
82.6%
True Loss Coverage
82.6%
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