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Northpointe Bank

IDRSSD: 2737980
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #2737980 2025-Q1 Vital Signs Score: 65/100 — 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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 138.8% (threshold 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -4
50
Sub-score

Liquidity is deteriorating: brokered 60.7%, loans/deposits 138.8%, cash 5.5% of assets.

Cash / Assets
5.49%
Loans / Deposits
138.77%
Brokered %
60.73%

Watch Items

  • riskBrokered deposits above 30% — Brokered 60.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 138.8% (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 +7
75
Sub-score

Capital position is stable: Tier 1 RBC 11.95%, CET1 11.95%, leverage 11.01%.

Tier 1 RBC
11.95%
CET1
11.95%
Leverage
11.01%
No watch items at this period.

Asset Quality

StrongQoQ 0
85
Sub-score

Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 14.5%, NCO YTD 0.02%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.02%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.23% of loans, coverage 14.2%, true coverage 13.4%.

ALLL / Loans
0.23%
Coverage
14.2%
True Loss Coverage
13.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.4% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.23% 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