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Northeast Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #468806 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 50.4% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +28

The five pillars

Liquidity

WatchQoQ +2
58
Sub-score

Liquidity is deteriorating: brokered 50.4%, loans/deposits 113.3%, cash 9.0% of assets.

Cash / Assets
9.02%
Loans / Deposits
113.29%
Brokered %
50.39%

Watch Items

  • riskBrokered deposits above 30% — Brokered 50.4% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 113.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.08%
No watch items at this period.

Capitalization

StrongQoQ -12
85
Sub-score

Capital position is strong: Tier 1 RBC 12.47%, CET1 12.47%, leverage 12.19%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
12.19%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 5.9%, NCO YTD 0.41%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.41%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +28
93
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 179.8%, true coverage 108.5%.

ALLL / Loans
1.44%
Coverage
179.8%
True Loss Coverage
108.5%
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