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Newtek Bank National Association

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #502111 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -4
85
Sub-score

Liquidity is strong: brokered 10.3%, loans/deposits 85.6%, cash 16.5% of assets.

Cash / Assets
16.45%
Loans / Deposits
85.60%
Brokered %
10.31%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.66%, CET1 17.66%, leverage 15.38%.

Tier 1 RBC
17.66%
CET1
17.66%
Leverage
15.38%
No watch items at this period.

Asset Quality

StableQoQ -16
71
Sub-score

Asset quality is stable: Adjusted NPL 1.77%, Texas Ratio 7.4%, NCO YTD 0.32%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.32%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
97
Sub-score

Reserves are strong: ALLL 3.23% of loans, coverage 188.2%, true coverage 188.2%.

ALLL / Loans
3.23%
Coverage
188.2%
True Loss Coverage
188.2%
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: 2026-05-12 21:12:33 UTC