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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #502111 2025-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.18% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.74% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -14

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 95.3%, cash 12.9% of assets.

Cash / Assets
12.92%
Loans / Deposits
95.32%
Brokered %
2.97%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.20%
No watch items at this period.

Capitalization

StrongQoQ 0
90
Sub-score

Capital position is strong: Tier 1 RBC 12.98%, CET1 12.98%, leverage 11.08%.

Tier 1 RBC
12.98%
CET1
12.98%
Leverage
11.08%
No watch items at this period.

Asset Quality

RiskQoQ +1
35
Sub-score

Asset quality is weak: Adjusted NPL 6.18%, Texas Ratio 38.7%, NCO YTD 1.74%.

Adjusted NPL
6.18%
Govt-guarantees stripped
Texas Ratio
38.7%
NCO YTD
1.74%
30-89 PD
2.11%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.18% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.74% of loans.

Reserves

WatchQoQ -14
50
Sub-score

Reserves are deteriorating: ALLL 3.56% of loans, coverage 59.7%, true coverage 59.7%.

ALLL / Loans
3.56%
Coverage
59.7%
True Loss Coverage
59.7%
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