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The National Bank Of Andrews

IDRSSD: 488653
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -15

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

Quarterly Headline

2025-Q2

Bank #488653 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.73%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.01% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.80% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -15 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -30
  • Reserves
    ↓ -48

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.3%, cash 2.0% of assets.

Cash / Assets
2.01%
Loans / Deposits
85.25%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.01% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.29%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 13.59%, CET1 13.59%, leverage 11.77%.

Tier 1 RBC
13.59%
CET1
13.59%
Leverage
11.77%
No watch items at this period.

Asset Quality

WatchQoQ -30
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.80%, Texas Ratio 15.9%, NCO YTD 0.00%.

Adjusted NPL
2.80%
Govt-guarantees stripped
Texas Ratio
15.9%
NCO YTD
0.00%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
2.73%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.80% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.73%.

Reserves

WatchQoQ -48
52
Sub-score

Reserves are deteriorating: ALLL 1.74% of loans, coverage 63.3%, true coverage 63.3%.

ALLL / Loans
1.74%
Coverage
63.3%
True Loss Coverage
63.3%
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: 2026-05-12 19:39:44 UTC