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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #502111 2025-Q2 Vital Signs Score: 73/100 — 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. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.03% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.98% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -5
86
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 92.3%, cash 13.7% of assets.

Cash / Assets
13.71%
Loans / Deposits
92.29%
Brokered %
3.64%
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
1.06%
No watch items at this period.

Capitalization

StrongQoQ -3
90
Sub-score

Capital position is strong: Tier 1 RBC 12.96%, CET1 12.96%, leverage 11.24%.

Tier 1 RBC
12.96%
CET1
12.96%
Leverage
11.24%
No watch items at this period.

Asset Quality

RiskQoQ -5
34
Sub-score

Asset quality is weak: Adjusted NPL 5.03%, Texas Ratio 30.0%, NCO YTD 1.98%.

Adjusted NPL
5.03%
Govt-guarantees stripped
Texas Ratio
30.0%
NCO YTD
1.98%
30-89 PD
2.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.03% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.98% of loans.

Reserves

StableQoQ -6
63
Sub-score

Reserves are stable: ALLL 3.84% of loans, coverage 79.3%, true coverage 79.3%.

ALLL / Loans
3.84%
Coverage
79.3%
True Loss Coverage
79.3%
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