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Northeast Bank

IDRSSD: 468806
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q2QoQ +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-Q2

Bank #468806 2024-Q2 Vital Signs Score: 80/100 — 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 115.8% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ +2
55
Sub-score

Liquidity is deteriorating: brokered 38.5%, loans/deposits 115.8%, cash 7.7% of assets.

Cash / Assets
7.73%
Loans / Deposits
115.75%
Brokered %
38.49%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.5% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 115.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 13.84%, CET1 13.84%, leverage 12.30%.

Tier 1 RBC
13.84%
CET1
13.84%
Leverage
12.30%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 1.03%, Texas Ratio 7.0%, NCO YTD 0.20%.

Adjusted NPL
1.03%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.20%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
42
Sub-score

Reserves are deteriorating: ALLL 0.97% of loans, coverage 94.5%, true coverage 65.0%.

ALLL / Loans
0.97%
Coverage
94.5%
True Loss Coverage
65.0%
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