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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #2508751 2024-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 8.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 8.1% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.10%.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +6
63
Sub-score

Liquidity is stable: brokered 12.0%, loans/deposits 100.5%, cash 3.8% of assets.

Cash / Assets
3.83%
Loans / Deposits
100.50%
Brokered %
11.96%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.22%
No watch items at this period.

Capitalization

StableQoQ +3
70
Sub-score

Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 10.89%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
10.89%
No watch items at this period.

Asset Quality

RiskQoQ -1
36
Sub-score

Asset quality is weak: Adjusted NPL 5.97%, Texas Ratio 43.0%, NCO YTD 0.02%.

Adjusted NPL
5.97%
Govt-guarantees stripped
Texas Ratio
43.0%
NCO YTD
0.02%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
5.10%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.97% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.10%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.48% of loans, coverage 8.1%, true coverage 8.1%.

ALLL / Loans
0.48%
Coverage
8.1%
True Loss Coverage
8.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 8.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 8.1% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.48% 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