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Northpointe Bank

IDRSSD: 2737980
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
64
/ 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 #2737980 2025-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 11.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 11.5% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 129.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +2
53
Sub-score

Liquidity is deteriorating: brokered 59.1%, loans/deposits 129.3%, cash 7.1% of assets.

Cash / Assets
7.07%
Loans / Deposits
129.29%
Brokered %
59.06%

Watch Items

  • riskBrokered deposits above 30% — Brokered 59.1% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 129.3% (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 +1
65
Sub-score

Capital position is stable: Tier 1 RBC 11.21%, CET1 11.21%, leverage 9.50%.

Tier 1 RBC
11.21%
CET1
11.21%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 13.5%, NCO YTD 0.08%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.08%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.16% of loans, coverage 11.5%, true coverage 11.0%.

ALLL / Loans
0.16%
Coverage
11.5%
True Loss Coverage
11.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 11.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 11.0% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.16% 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