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Northern Interstate Bank N A

IDRSSD: 289056
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
72
/ 100
StableAs of 2025-Q4QoQ -1

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 #289056 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.30% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.3%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
46.31%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

Securities

StrongQoQ -1
80
Sub-score

Securities profile is strong: securities 26.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.96%
No watch items at this period.

Capitalization

WatchQoQ +1
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.30%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.30%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
63
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 233.3%, true coverage 56.5%.

ALLL / Loans
1.00%
Coverage
233.3%
True Loss Coverage
56.5%
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: 2026-05-14 15:15:53 UTC