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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-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

2024-Q4

Bank #18827 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +7
92
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 82.7%, cash 9.5% of assets.

Cash / Assets
9.54%
Loans / Deposits
82.68%
Brokered %
0.81%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.13%
No watch items at this period.

Capitalization

StableQoQ +3
67
Sub-score

Capital position is stable: Tier 1 RBC 11.58%, CET1 11.58%, leverage 8.24%.

Tier 1 RBC
11.58%
CET1
11.58%
Leverage
8.24%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 7.3%, NCO YTD 0.03%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.03%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
43
Sub-score

Reserves are deteriorating: ALLL 1.06% of loans, coverage 117.6%, true coverage 49.6%.

ALLL / Loans
1.06%
Coverage
117.6%
True Loss Coverage
49.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).

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