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Northpointe Bank

IDRSSD: 2737980
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
64
/ 100
StableAs of 2024-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

2024-Q4

Bank #2737980 2024-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.2% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 135.1% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -2
54
Sub-score

Liquidity is deteriorating: brokered 60.4%, loans/deposits 135.1%, cash 7.2% of assets.

Cash / Assets
7.20%
Loans / Deposits
135.15%
Brokered %
60.35%

Watch Items

  • riskBrokered deposits above 30% — Brokered 60.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 135.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +8
68
Sub-score

Capital position is stable: Tier 1 RBC 11.56%, CET1 11.56%, leverage 9.10%.

Tier 1 RBC
11.56%
CET1
11.56%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ 0
85
Sub-score

Asset quality is strong: Adjusted NPL 1.70%, Texas Ratio 15.8%, NCO YTD 0.06%.

Adjusted NPL
1.70%
Govt-guarantees stripped
Texas Ratio
15.8%
NCO YTD
0.06%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.24% of loans, coverage 14.2%, true coverage 13.2%.

ALLL / Loans
0.24%
Coverage
14.2%
True Loss Coverage
13.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.2% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.24% of loans.

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 13:26:29 UTC