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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #18827 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 85.1%, cash 6.5% of assets.

Cash / Assets
6.54%
Loans / Deposits
85.12%
Brokered %
0.00%
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
0.14%
No watch items at this period.

Capitalization

StableQoQ -4
67
Sub-score

Capital position is stable: Tier 1 RBC 11.40%, CET1 11.40%, leverage 8.65%.

Tier 1 RBC
11.40%
CET1
11.40%
Leverage
8.65%
No watch items at this period.

Asset Quality

StrongQoQ 0
90
Sub-score

Asset quality is strong: Adjusted NPL 1.26%, Texas Ratio 9.8%, NCO YTD 0.20%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.20%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
31
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 82.6%, true coverage 42.2%.

ALLL / Loans
1.03%
Coverage
82.6%
True Loss Coverage
42.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.2% (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