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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-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

2025-Q3

Bank #5316920 2025-Q3 Vital Signs Score: 73/100 — 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. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +20
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ +14
89
Sub-score

Liquidity is strong: brokered 5.6%, loans/deposits 84.6%, cash 13.6% of assets.

Cash / Assets
13.62%
Loans / Deposits
84.56%
Brokered %
5.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.26%
No watch items at this period.

Capitalization

WatchQoQ +2
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.33%, CET1 10.33%, leverage 8.23%.

Tier 1 RBC
10.33%
CET1
10.33%
Leverage
8.23%
No watch items at this period.

Asset Quality

StableQoQ +20
73
Sub-score

Asset quality is stable: Adjusted NPL 3.41%, Texas Ratio 24.7%, NCO YTD 0.10%.

Adjusted NPL
3.41%
Govt-guarantees stripped
Texas Ratio
24.7%
NCO YTD
0.10%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.41% (govt-guarantees stripped).

Reserves

WatchQoQ +7
59
Sub-score

Reserves are deteriorating: ALLL 2.43% of loans, coverage 73.0%, true coverage 73.0%.

ALLL / Loans
2.43%
Coverage
73.0%
True Loss Coverage
73.0%
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