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The Northern Trust Company

IDRSSD: 210434
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -6

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

Quarterly Headline

2023-Q4

Bank #210434 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.7% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.38% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -23
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -23
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 106.7%.

Cash / Assets
—
Loans / Deposits
106.69%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.84%
No watch items at this period.

Capitalization

StableQoQ +7
76
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 7.90%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
7.90%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 0.8%, NCO YTD 0.01%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.01%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.38% of loans, coverage 213.3%, true coverage 172.5%.

ALLL / Loans
0.38%
Coverage
213.3%
True Loss Coverage
172.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.38% 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: 2026-05-14 19:58:33 UTC