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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q3QoQ -9

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

Quarterly Headline

2024-Q3

Bank #5316920 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.82% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -1
87
Sub-score

Liquidity is strong: brokered 9.2%, loans/deposits 84.7%, cash 10.6% of assets.

Cash / Assets
10.57%
Loans / Deposits
84.73%
Brokered %
9.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.04%
No watch items at this period.

Capitalization

WatchQoQ -14
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.97%, CET1 9.97%, leverage 8.21%.

Tier 1 RBC
9.97%
CET1
9.97%
Leverage
8.21%
No watch items at this period.

Asset Quality

StableQoQ -16
65
Sub-score

Asset quality is stable: Adjusted NPL 2.82%, Texas Ratio 20.8%, NCO YTD 0.02%.

Adjusted NPL
2.82%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
0.02%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.82% (govt-guarantees stripped).

Reserves

WatchQoQ -6
60
Sub-score

Reserves are deteriorating: ALLL 2.05% of loans, coverage 74.1%, true coverage 74.1%.

ALLL / Loans
2.05%
Coverage
74.1%
True Loss Coverage
74.1%
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