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North Side Federal Savings And Loan Association Of Chicago

IDRSSD: 375379
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #375379 2024-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +3
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.0%, cash 10.4% of assets.

Cash / Assets
10.42%
Loans / Deposits
84.05%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.52%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 19.71%, CET1 19.71%, leverage 9.40%.

Tier 1 RBC
19.71%
CET1
19.71%
Leverage
9.40%
No watch items at this period.

Asset Quality

StrongQoQ +1
86
Sub-score

Asset quality is strong: Adjusted NPL 2.00%, Texas Ratio 14.1%, NCO YTD 0.00%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
15
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 48.2%, true coverage 24.7%.

ALLL / Loans
0.95%
Coverage
48.2%
True Loss Coverage
24.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.7% (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 02:36:18 UTC