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Northbrook Bank And Trust Company National Association

IDRSSD: 2938198
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-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

2023-Q4

Bank #2938198 2023-Q4 Vital Signs Score: 85/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
87
Sub-score

Liquidity is strong: brokered 10.9%, loans/deposits 80.7%, cash 12.6% of assets.

Cash / Assets
12.63%
Loans / Deposits
80.65%
Brokered %
10.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.81%
No watch items at this period.

Capitalization

StableQoQ +4
80
Sub-score

Capital position is stable: Tier 1 RBC 11.45%, CET1 11.45%, leverage 9.88%.

Tier 1 RBC
11.45%
CET1
11.45%
Leverage
9.88%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 5.4%, NCO YTD 0.01%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.01%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
59
Sub-score

Reserves are deteriorating: ALLL 0.87% of loans, coverage 111.3%, true coverage 111.2%.

ALLL / Loans
0.87%
Coverage
111.3%
True Loss Coverage
111.2%
No watch items at this period.

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 02:37:05 UTC