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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ +9

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

Quarterly Headline

2026-Q1

Bank #5316920 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (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 2.74% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +15
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +19
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +15
92
Sub-score

Liquidity is strong: brokered 4.5%, loans/deposits 79.9%, cash 18.4% of assets.

Cash / Assets
18.43%
Loans / Deposits
79.94%
Brokered %
4.52%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.02%
No watch items at this period.

Capitalization

WatchQoQ +2
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.71%, CET1 10.71%, leverage 8.09%.

Tier 1 RBC
10.71%
CET1
10.71%
Leverage
8.09%
No watch items at this period.

Asset Quality

StableQoQ +19
77
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 20.5%, NCO YTD 0.11%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
20.5%
NCO YTD
0.11%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

WatchQoQ +3
53
Sub-score

Reserves are deteriorating: ALLL 1.73% of loans, coverage 64.4%, true coverage 64.4%.

ALLL / Loans
1.73%
Coverage
64.4%
True Loss Coverage
64.4%
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