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The Northumberland National Bank

IDRSSD: 70414
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2025-06-30. 1 alert active.

Summary

RSSD 70414 held $684.5M in total assets as of 2025-06-30 (+0.5% quarter-over-quarter). Total loans stood at $442.4M (+0.4% QoQ) and total deposits at $603.7M (+0.1% QoQ).

Overall position is adequate — the composite Health Score is 55/100 (Adequate). Tier 1 / RWA stands at 15.92%, in the above median of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
55/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$684.5M
+0.5% QoQ
Total Loans
$442.4M
+0.4% QoQ
Total Deposits
$603.7M
+0.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
15.92%
65th pctile · n=320↑ better
+50 bp QoQ
CET1 / RWA
15.92%
78th pctile · n=500↑ better
+50 bp QoQ
Total RBC / RWA
16.88%
64th pctile · n=320↑ better
+52 bp QoQ
Tier 1 Leverage Ratio
15.92%
78th pctile · n=500↑ better
+50 bp QoQ

Liquidity

Cash / Assets
6.16%
52th pctile · n=500↑ better
+107 bp QoQ
Loans / Deposits
73.29%
33th pctile · n=499↓ better
+22 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.19%
35th pctile · n=500↓ better
+5 bp QoQ
NPA / Assets
0.12%
32th pctile · n=500↓ better
+3 bp QoQ
Texas Ratio (regulatory)
1.17%
34th pctile · n=500↓ better
+32 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
33th pctile · n=500↓ better
-1 bp QoQ
ALLL Coverage of NPL
455.90%
67th pctile · n=500↑ better
-18272 bp QoQ

Earnings

Net Interest Margin
2.81%
11th pctile · n=500↑ better
+15 bp QoQ
Return on Assets
0.74%
23th pctile · n=500↑ better
+22 bp QoQ
Return on Equity
8.81%
28th pctile · n=500↑ better
+246 bp QoQ
Efficiency Ratio
72.91%
76th pctile · n=500↓ better
-739 bp QoQ
Pre-tax NOI / Avg Assets
0.88%
22th pctile · n=500↑ better
+28 bp QoQ

Funding

Brokered / Deposits
0.20%
49th pctile · n=499↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.22%
61th pctile · n=500↓ better
-1 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
24.23%
70th pctile · n=500↑ better
-89 bp QoQ
AFS Securities / Assets
23.86%
76th pctile · n=500↑ better
-89 bp QoQ
HTM Securities / Assets
0.38%
70th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 05:03:47 UTC