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Northeast Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #468806 2025-Q2 Vital Signs Score: 82/100 — overall strong. 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
    Brokered deposits above 30%
    Liquidity — Brokered 46.9% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.9% (threshold 100%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ +3
59
Sub-score

Liquidity is deteriorating: brokered 46.9%, loans/deposits 109.9%, cash 9.7% of assets.

Cash / Assets
9.67%
Loans / Deposits
109.88%
Brokered %
46.86%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 109.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.33%
No watch items at this period.

Capitalization

StrongQoQ +6
93
Sub-score

Capital position is strong: Tier 1 RBC 13.45%, CET1 13.45%, leverage 11.64%.

Tier 1 RBC
13.45%
CET1
13.45%
Leverage
11.64%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.94%, Texas Ratio 6.5%, NCO YTD 0.05%.

Adjusted NPL
0.94%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.05%
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

WatchQoQ +4
54
Sub-score

Reserves are deteriorating: ALLL 1.26% of loans, coverage 136.9%, true coverage 48.4%.

ALLL / Loans
1.26%
Coverage
136.9%
True Loss Coverage
48.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.4% (Adjusted NPL + Performing Mods denominator).

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