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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #502111 2024-Q2 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

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +3
88
Sub-score

Liquidity is strong: brokered 8.4%, loans/deposits 81.8%, cash 16.5% of assets.

Cash / Assets
16.48%
Loans / Deposits
81.75%
Brokered %
8.45%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.06%, CET1 17.06%, leverage 13.65%.

Tier 1 RBC
17.06%
CET1
17.06%
Leverage
13.65%
No watch items at this period.

Asset Quality

StableQoQ +1
71
Sub-score

Asset quality is stable: Adjusted NPL 2.59%, Texas Ratio 11.0%, NCO YTD 0.60%.

Adjusted NPL
2.59%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.60%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.59% (govt-guarantees stripped).

Reserves

StrongQoQ -8
89
Sub-score

Reserves are strong: ALLL 3.74% of loans, coverage 150.0%, true coverage 150.0%.

ALLL / Loans
3.74%
Coverage
150.0%
True Loss Coverage
150.0%
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: 2026-05-12 21:12:33 UTC