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Northwest Bank

IDRSSD: 1002878
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-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

2024-Q3

Bank #1002878 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.02% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ +4
71
Sub-score

Liquidity is stable: brokered 1.7%, loans/deposits 90.4%, cash 2.0% of assets.

Cash / Assets
2.02%
Loans / Deposits
90.42%
Brokered %
1.75%

Watch Items

  • infoCash / Assets below 3% — Cash 2.02% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.32%
No watch items at this period.

Capitalization

StrongQoQ -8
81
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 9.14%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
9.14%
No watch items at this period.

Asset Quality

StrongQoQ +1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 5.4%, NCO YTD 0.18%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.18%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
79
Sub-score

Reserves are stable: ALLL 1.11% of loans, coverage 161.6%, true coverage 158.8%.

ALLL / Loans
1.11%
Coverage
161.6%
True Loss Coverage
158.8%
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: 2026-05-13 06:16:22 UTC