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Newtek Bank National Association

IDRSSD: 502111
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2026-Q1QoQ -3

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 #502111 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.78% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.02% of loans.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 84.8%, cash 17.7% of assets.

Cash / Assets
17.69%
Loans / Deposits
84.82%
Brokered %
3.59%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.73%
No watch items at this period.

Capitalization

StableQoQ -15
66
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 9.04%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
9.04%
No watch items at this period.

Asset Quality

RiskQoQ +1
34
Sub-score

Asset quality is weak: Adjusted NPL 5.78%, Texas Ratio 43.6%, NCO YTD 2.02%.

Adjusted NPL
5.78%
Govt-guarantees stripped
Texas Ratio
43.6%
NCO YTD
2.02%
30-89 PD
1.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.78% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.02% of loans.

Reserves

WatchQoQ -2
42
Sub-score

Reserves are deteriorating: ALLL 2.77% of loans, coverage 49.2%, true coverage 48.8%.

ALLL / Loans
2.77%
Coverage
49.2%
True Loss Coverage
48.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).

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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-12 21:12:33 UTC