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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #502111 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.87% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.37% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +11
98
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 71.3%, cash 28.8% of assets.

Cash / Assets
28.83%
Loans / Deposits
71.27%
Brokered %
2.60%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.97%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.16%, CET1 14.16%, leverage 11.85%.

Tier 1 RBC
14.16%
CET1
14.16%
Leverage
11.85%
No watch items at this period.

Asset Quality

WatchQoQ -17
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.37%, Texas Ratio 16.7%, NCO YTD 2.87%.

Adjusted NPL
3.37%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
2.87%
30-89 PD
3.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.37% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.87% of loans.

Reserves

StrongQoQ -2
82
Sub-score

Reserves are strong: ALLL 3.91% of loans, coverage 120.7%, true coverage 120.7%.

ALLL / Loans
3.91%
Coverage
120.7%
True Loss Coverage
120.7%
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