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Northern Bank And Trust Company

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ -6

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

Quarterly Headline

2024-Q4

Bank #900306 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.5% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.4% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.24% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -34

The five pillars

Liquidity

WatchQoQ +2
56
Sub-score

Liquidity is deteriorating: brokered 20.2%, loans/deposits 103.4%, cash 3.9% of assets.

Cash / Assets
3.93%
Loans / Deposits
103.39%
Brokered %
20.25%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.20%, CET1 15.20%, leverage 14.35%.

Tier 1 RBC
15.20%
CET1
15.20%
Leverage
14.35%
No watch items at this period.

Asset Quality

StrongQoQ -5
85
Sub-score

Asset quality is strong: Adjusted NPL 2.24%, Texas Ratio 12.1%, NCO YTD 0.00%.

Adjusted NPL
2.24%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.24% (govt-guarantees stripped).

Reserves

WatchQoQ -34
42
Sub-score

Reserves are deteriorating: ALLL 1.88% of loans, coverage 85.4%, true coverage 32.5%.

ALLL / Loans
1.88%
Coverage
85.4%
True Loss Coverage
32.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.5% (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: 2026-05-13 12:02:47 UTC