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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #2938198 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.62% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -8
83
Sub-score

Liquidity is strong: brokered 14.0%, loans/deposits 84.8%, cash 11.9% of assets.

Cash / Assets
11.91%
Loans / Deposits
84.75%
Brokered %
14.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.51%
No watch items at this period.

Capitalization

StableQoQ +7
66
Sub-score

Capital position is stable: Tier 1 RBC 11.13%, CET1 11.13%, leverage 9.53%.

Tier 1 RBC
11.13%
CET1
11.13%
Leverage
9.53%
No watch items at this period.

Asset Quality

StrongQoQ +2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.0%, NCO YTD 0.01%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.01%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
71
Sub-score

Reserves are stable: ALLL 0.62% of loans, coverage 234.3%, true coverage 231.2%.

ALLL / Loans
0.62%
Coverage
234.3%
True Loss Coverage
231.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% 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