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Northeast Bank

IDRSSD: 468806
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 +1

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 #468806 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.0% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 39.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -2
53
Sub-score

Liquidity is deteriorating: brokered 39.7%, loans/deposits 117.0%, cash 6.8% of assets.

Cash / Assets
6.84%
Loans / Deposits
116.96%
Brokered %
39.69%

Watch Items

  • watchBrokered deposits above 30% — Brokered 39.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.49%
No watch items at this period.

Capitalization

StrongQoQ +5
96
Sub-score

Capital position is strong: Tier 1 RBC 13.24%, CET1 13.24%, leverage 11.79%.

Tier 1 RBC
13.24%
CET1
13.24%
Leverage
11.79%
No watch items at this period.

Asset Quality

StrongQoQ -1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 7.4%, NCO YTD 0.34%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.34%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
40
Sub-score

Reserves are deteriorating: ALLL 0.98% of loans, coverage 92.8%, true coverage 60.9%.

ALLL / Loans
0.98%
Coverage
92.8%
True Loss Coverage
60.9%
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: 2026-05-12 21:33:25 UTC