Visbanking Logo
Skip to main content

Northern Bank And Trust Company

IDRSSD: 900306
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #900306 2024-Q1 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:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.3% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -13

The five pillars

Liquidity

WatchQoQ -2
57
Sub-score

Liquidity is deteriorating: brokered 27.6%, loans/deposits 102.3%, cash 6.0% of assets.

Cash / Assets
6.03%
Loans / Deposits
102.35%
Brokered %
27.56%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.94%, CET1 14.94%, leverage 14.40%.

Tier 1 RBC
14.94%
CET1
14.94%
Leverage
14.40%
No watch items at this period.

Asset Quality

StrongQoQ 0
90
Sub-score

Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 9.0%, NCO YTD 0.10%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
0.10%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -13
74
Sub-score

Reserves are stable: ALLL 1.83% of loans, coverage 114.5%, true coverage 85.4%.

ALLL / Loans
1.83%
Coverage
114.5%
True Loss Coverage
85.4%
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: 2026-05-13 12:02:47 UTC