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Northeast Bank

IDRSSD: 689357
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
81
/ 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 #689357 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.85% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.72% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +13

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 84.4%, cash 0.8% of assets.

Cash / Assets
0.85%
Loans / Deposits
84.40%
Brokered %
9.68%

Watch Items

  • riskCash / Assets below 3% — Cash 0.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +2
77
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 10.03%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
10.03%
No watch items at this period.

Asset Quality

StrongQoQ -12
86
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.0%, NCO YTD 1.72%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
1.72%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.72% of loans.

Reserves

StableQoQ +13
79
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 311.8%, true coverage 311.8%.

ALLL / Loans
0.88%
Coverage
311.8%
True Loss Coverage
311.8%
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: 2026-05-15 02:51:21 UTC