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Nextier Bank National Association

IDRSSD: 18827
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-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

2023-Q4

Bank #18827 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.47% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
67
Sub-score

Liquidity is stable: brokered 1.1%, loans/deposits 96.3%, cash 1.5% of assets.

Cash / Assets
1.47%
Loans / Deposits
96.35%
Brokered %
1.10%

Watch Items

  • watchCash / Assets below 3% — Cash 1.47% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.96%
No watch items at this period.

Capitalization

StableQoQ +3
73
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.38%, leverage 8.85%.

Tier 1 RBC
11.38%
CET1
11.38%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 4.9%, NCO YTD 0.05%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.05%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
77
Sub-score

Reserves are stable: ALLL 1.01% of loans, coverage 171.6%, true coverage 171.6%.

ALLL / Loans
1.01%
Coverage
171.6%
True Loss Coverage
171.6%
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: 2026-05-14 14:44:06 UTC