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North Easton Savings Bank

IDRSSD: 527600
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
80
/ 100
StrongAs of 2025-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

2025-Q3

Bank #527600 2025-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.48% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.37% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 2.2%, loans/deposits 85.2%, cash 2.4% of assets.

Cash / Assets
2.37%
Loans / Deposits
85.22%
Brokered %
2.19%

Watch Items

  • infoCash / Assets below 3% — Cash 2.37% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.27%
No watch items at this period.

Capitalization

StrongQoQ +2
83
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 8.89%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
8.89%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 4.2%, NCO YTD 0.00%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.00%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
36
Sub-score

Reserves are weak: ALLL 0.48% of loans, coverage 91.1%, true coverage 85.5%.

ALLL / Loans
0.48%
Coverage
91.1%
True Loss Coverage
85.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.48% of loans.

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 19:41:12 UTC