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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #2938198 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +5
91
Sub-score

Liquidity is strong: brokered 9.9%, loans/deposits 74.2%, cash 20.9% of assets.

Cash / Assets
20.88%
Loans / Deposits
74.19%
Brokered %
9.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.01%
No watch items at this period.

Capitalization

WatchQoQ -10
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.59%, CET1 10.59%, leverage 9.19%.

Tier 1 RBC
10.59%
CET1
10.59%
Leverage
9.19%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.9%, NCO YTD 0.18%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.18%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
71
Sub-score

Reserves are stable: ALLL 0.63% of loans, coverage 263.0%, true coverage 258.3%.

ALLL / Loans
0.63%
Coverage
263.0%
True Loss Coverage
258.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.63% 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 02:37:05 UTC