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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ +5

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

Quarterly Headline

2026-Q1

Bank #900306 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.4% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.32% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +11

The five pillars

Liquidity

WatchQoQ +3
58
Sub-score

Liquidity is deteriorating: brokered 12.2%, loans/deposits 104.4%, cash 2.3% of assets.

Cash / Assets
2.32%
Loans / Deposits
104.40%
Brokered %
12.24%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.32% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.20%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.15%, CET1 15.15%, leverage 14.66%.

Tier 1 RBC
15.15%
CET1
15.15%
Leverage
14.66%
No watch items at this period.

Asset Quality

StrongQoQ +13
85
Sub-score

Asset quality is strong: Adjusted NPL 2.14%, Texas Ratio 11.4%, NCO YTD 0.15%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.15%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).

Reserves

WatchQoQ +11
53
Sub-score

Reserves are deteriorating: ALLL 2.22% of loans, coverage 106.1%, true coverage 45.6%.

ALLL / Loans
2.22%
Coverage
106.1%
True Loss Coverage
45.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.6% (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