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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #5316920 2025-Q2 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.64% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.61% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -4
75
Sub-score

Liquidity is stable: brokered 7.0%, loans/deposits 92.7%, cash 5.8% of assets.

Cash / Assets
5.76%
Loans / Deposits
92.68%
Brokered %
6.98%
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
7.02%
No watch items at this period.

Capitalization

WatchQoQ +2
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.10%, CET1 10.10%, leverage 8.30%.

Tier 1 RBC
10.10%
CET1
10.10%
Leverage
8.30%
No watch items at this period.

Asset Quality

WatchQoQ -15
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.61%, Texas Ratio 27.1%, NCO YTD 2.64%.

Adjusted NPL
3.61%
Govt-guarantees stripped
Texas Ratio
27.1%
NCO YTD
2.64%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.61% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.64% of loans.

Reserves

WatchQoQ +3
52
Sub-score

Reserves are deteriorating: ALLL 2.23% of loans, coverage 63.3%, true coverage 63.3%.

ALLL / Loans
2.23%
Coverage
63.3%
True Loss Coverage
63.3%
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