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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-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

2025-Q1

Bank #502111 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.88% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.40% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -6
91
Sub-score

Liquidity is strong: brokered 2.5%, loans/deposits 84.1%, cash 21.2% of assets.

Cash / Assets
21.17%
Loans / Deposits
84.06%
Brokered %
2.54%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.13%
No watch items at this period.

Capitalization

StrongQoQ -5
93
Sub-score

Capital position is strong: Tier 1 RBC 13.35%, CET1 13.35%, leverage 10.38%.

Tier 1 RBC
13.35%
CET1
13.35%
Leverage
10.38%
No watch items at this period.

Asset Quality

RiskQoQ -2
39
Sub-score

Asset quality is weak: Adjusted NPL 4.88%, Texas Ratio 26.5%, NCO YTD 2.40%.

Adjusted NPL
4.88%
Govt-guarantees stripped
Texas Ratio
26.5%
NCO YTD
2.40%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.88% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.40% of loans.

Reserves

StableQoQ -13
70
Sub-score

Reserves are stable: ALLL 4.13% of loans, coverage 88.2%, true coverage 88.2%.

ALLL / Loans
4.13%
Coverage
88.2%
True Loss Coverage
88.2%
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