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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #18827 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -26

The five pillars

Liquidity

StrongQoQ +16
85
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 85.7%, cash 7.0% of assets.

Cash / Assets
6.96%
Loans / Deposits
85.66%
Brokered %
0.84%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.89%
No watch items at this period.

Capitalization

StableQoQ +2
63
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 8.45%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
8.45%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 8.9%, NCO YTD 0.15%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.15%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -26
43
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 98.5%, true coverage 59.2%.

ALLL / Loans
1.05%
Coverage
98.5%
True Loss Coverage
59.2%
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: 2026-05-14 14:44:06 UTC