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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ -6

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

Quarterly Headline

2024-Q1

Bank #2938198 2024-Q1 Vital Signs Score: 79/100 — overall stable. 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 Q4 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ 0
87
Sub-score

Liquidity is strong: brokered 11.8%, loans/deposits 79.5%, cash 12.8% of assets.

Cash / Assets
12.85%
Loans / Deposits
79.54%
Brokered %
11.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.32%
No watch items at this period.

Capitalization

StableQoQ -6
74
Sub-score

Capital position is stable: Tier 1 RBC 11.05%, CET1 11.05%, leverage 9.54%.

Tier 1 RBC
11.05%
CET1
11.05%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ -13
83
Sub-score

Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 6.0%, NCO YTD 0.76%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.76%
30-89 PD
1.63%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -8
52
Sub-score

Reserves are deteriorating: ALLL 0.80% of loans, coverage 95.9%, true coverage 95.9%.

ALLL / Loans
0.80%
Coverage
95.9%
True Loss Coverage
95.9%
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