Visbanking Logo
Skip to main content

Northpointe Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #2737980 2025-Q3 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 13.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.6% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 62.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -1
51
Sub-score

Liquidity is deteriorating: brokered 62.4%, loans/deposits 130.1%, cash 6.1% of assets.

Cash / Assets
6.13%
Loans / Deposits
130.08%
Brokered %
62.37%

Watch Items

  • riskBrokered deposits above 30% — Brokered 62.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 130.1% (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 -3
64
Sub-score

Capital position is stable: Tier 1 RBC 10.96%, CET1 10.96%, leverage 9.79%.

Tier 1 RBC
10.96%
CET1
10.96%
Leverage
9.79%
No watch items at this period.

Asset Quality

StrongQoQ +2
89
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 12.8%, NCO YTD 0.06%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.06%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.20% of loans, coverage 14.6%, true coverage 13.9%.

ALLL / Loans
0.20%
Coverage
14.6%
True Loss Coverage
13.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.9% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.20% 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