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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ -3

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

Quarterly Headline

2025-Q3

Bank #900306 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.27% (govt-guarantees stripped).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.8% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 14.8%, loans/deposits 103.8%, cash 4.1% of assets.

Cash / Assets
4.10%
Loans / Deposits
103.82%
Brokered %
14.80%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.45%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.79%, CET1 15.79%, leverage 14.90%.

Tier 1 RBC
15.79%
CET1
15.79%
Leverage
14.90%
No watch items at this period.

Asset Quality

StableQoQ -7
75
Sub-score

Asset quality is stable: Adjusted NPL 3.27%, Texas Ratio 16.5%, NCO YTD 0.16%.

Adjusted NPL
3.27%
Govt-guarantees stripped
Texas Ratio
16.5%
NCO YTD
0.16%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.27% (govt-guarantees stripped).

Reserves

WatchQoQ -8
42
Sub-score

Reserves are deteriorating: ALLL 2.39% of loans, coverage 74.7%, true coverage 37.2%.

ALLL / Loans
2.39%
Coverage
74.7%
True Loss Coverage
37.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.2% (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