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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 — 2025-Q4

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

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -2

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 #900306 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.5% (threshold 100%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ -6
54
Sub-score

Liquidity is deteriorating: brokered 15.2%, loans/deposits 106.5%, cash 2.2% of assets.

Cash / Assets
2.23%
Loans / Deposits
106.46%
Brokered %
15.20%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.23% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.37%, CET1 15.37%, leverage 14.70%.

Tier 1 RBC
15.37%
CET1
15.37%
Leverage
14.70%
No watch items at this period.

Asset Quality

StableQoQ -3
72
Sub-score

Asset quality is stable: Adjusted NPL 3.14%, Texas Ratio 16.4%, NCO YTD 0.58%.

Adjusted NPL
3.14%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
0.58%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.14% (govt-guarantees stripped).

Reserves

WatchQoQ 0
43
Sub-score

Reserves are deteriorating: ALLL 2.28% of loans, coverage 74.3%, true coverage 37.9%.

ALLL / Loans
2.28%
Coverage
74.3%
True Loss Coverage
37.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.9% (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