Visbanking Logo
Skip to main content

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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q3QoQ +2

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

Quarterly Headline

2025-Q3

Bank #2938198 2025-Q3 Vital Signs Score: 84/100 — 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 0.69% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 10.6%, loans/deposits 86.1%, cash 10.5% of assets.

Cash / Assets
10.52%
Loans / Deposits
86.12%
Brokered %
10.61%
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
5.02%
No watch items at this period.

Capitalization

StableQoQ +6
68
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 9.57%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
9.57%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 1.7%, NCO YTD 0.04%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.04%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
73
Sub-score

Reserves are stable: ALLL 0.69% of loans, coverage 304.2%, true coverage 295.7%.

ALLL / Loans
0.69%
Coverage
304.2%
True Loss Coverage
295.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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