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Northeast Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #468806 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 51.4% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.0% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +28

The five pillars

Liquidity

WatchQoQ +1
56
Sub-score

Liquidity is deteriorating: brokered 51.4%, loans/deposits 110.0%, cash 8.1% of assets.

Cash / Assets
8.05%
Loans / Deposits
109.98%
Brokered %
51.44%

Watch Items

  • riskBrokered deposits above 30% — Brokered 51.4% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (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
0.53%
No watch items at this period.

Capitalization

StableQoQ -22
74
Sub-score

Capital position is stable: Tier 1 RBC 11.45%, CET1 11.45%, leverage 12.06%.

Tier 1 RBC
11.45%
CET1
11.45%
Leverage
12.06%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 8.5%, NCO YTD 0.20%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.20%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +28
71
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 117.4%, true coverage 95.0%.

ALLL / Loans
1.24%
Coverage
117.4%
True Loss Coverage
95.0%
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