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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #5316920 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.86% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ +11
79
Sub-score

Liquidity is stable: brokered 7.0%, loans/deposits 90.6%, cash 7.3% of assets.

Cash / Assets
7.26%
Loans / Deposits
90.58%
Brokered %
6.96%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.86%
No watch items at this period.

Capitalization

WatchQoQ -8
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.84%, CET1 9.84%, leverage 8.57%.

Tier 1 RBC
9.84%
CET1
9.84%
Leverage
8.57%
No watch items at this period.

Asset Quality

StableQoQ -4
68
Sub-score

Asset quality is stable: Adjusted NPL 3.86%, Texas Ratio 28.3%, NCO YTD -0.01%.

Adjusted NPL
3.86%
Govt-guarantees stripped
Texas Ratio
28.3%
NCO YTD
-0.01%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.86% (govt-guarantees stripped).

Reserves

WatchQoQ -9
49
Sub-score

Reserves are deteriorating: ALLL 2.23% of loans, coverage 59.0%, true coverage 59.0%.

ALLL / Loans
2.23%
Coverage
59.0%
True Loss Coverage
59.0%
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