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Barrington Bank And Trust Company National Association

IDRSSD: 2508751
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
55
/ 100
WatchAs of 2023-Q4QoQ -31

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 #2508751 2023-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 7.2% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 7.2% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.49%.

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -65
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -6
60
Sub-score

Liquidity is deteriorating: brokered 12.7%, loans/deposits 97.9%, cash 2.1% of assets.

Cash / Assets
2.08%
Loans / Deposits
97.95%
Brokered %
12.71%

Watch Items

  • infoCash / Assets below 3% — Cash 2.08% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.68%
No watch items at this period.

Capitalization

StableQoQ -2
78
Sub-score

Capital position is stable: Tier 1 RBC 11.16%, CET1 11.16%, leverage 10.63%.

Tier 1 RBC
11.16%
CET1
11.16%
Leverage
10.63%
No watch items at this period.

Asset Quality

RiskQoQ -65
35
Sub-score

Asset quality is weak: Adjusted NPL 5.94%, Texas Ratio 42.0%, NCO YTD 0.02%.

Adjusted NPL
5.94%
Govt-guarantees stripped
Texas Ratio
42.0%
NCO YTD
0.02%
30-89 PD
1.80%
Band 0.3% / 3.0%
90+ PD
5.49%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.94% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.49%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.43% of loans, coverage 7.2%, true coverage 7.2%.

ALLL / Loans
0.43%
Coverage
7.2%
True Loss Coverage
7.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 7.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 7.2% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.43% 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: 2026-05-13 11:54:59 UTC