Visbanking Logo
Skip to main content

North Easton Savings Bank

IDRSSD: 527600
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #527600 2026-Q1 Vital Signs Score: 82/100 — 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 0.50% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +16
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 83.3%, cash 3.4% of assets.

Cash / Assets
3.36%
Loans / Deposits
83.30%
Brokered %
1.56%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.22%
No watch items at this period.

Capitalization

StrongQoQ +16
100
Sub-score

Capital position is strong: Tier 1 RBC 16.11%, CET1 16.11%, leverage 11.34%.

Tier 1 RBC
16.11%
CET1
16.11%
Leverage
11.34%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 4.9%, NCO YTD -0.02%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
-0.02%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
20
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 65.6%, true coverage 65.6%.

ALLL / Loans
0.50%
Coverage
65.6%
True Loss Coverage
65.6%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% 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