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The North Side Bank And Trust Company

IDRSSD: 615217
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #615217 2024-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.60% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -8
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.1%, cash 2.6% of assets.

Cash / Assets
2.60%
Loans / Deposits
86.06%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.74%
No watch items at this period.

Capitalization

StableQoQ -8
79
Sub-score

Capital position is stable: Tier 1 RBC 12.10%, CET1 12.10%, leverage 11.60%.

Tier 1 RBC
12.10%
CET1
12.10%
Leverage
11.60%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.2%, NCO YTD -0.26%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
-0.26%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
90
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 3589.6%, true coverage 3589.6%.

ALLL / Loans
1.21%
Coverage
3589.6%
True Loss Coverage
3589.6%
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: 2026-05-14 23:34:23 UTC