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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #2508751 2025-Q1 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 10.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.1% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.50%.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +7
64
Sub-score

Liquidity is stable: brokered 12.5%, loans/deposits 100.5%, cash 4.4% of assets.

Cash / Assets
4.45%
Loans / Deposits
100.47%
Brokered %
12.50%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.99%
No watch items at this period.

Capitalization

StableQoQ +2
68
Sub-score

Capital position is stable: Tier 1 RBC 11.12%, CET1 11.12%, leverage 10.71%.

Tier 1 RBC
11.12%
CET1
11.12%
Leverage
10.71%
No watch items at this period.

Asset Quality

RiskQoQ +8
38
Sub-score

Asset quality is weak: Adjusted NPL 5.26%, Texas Ratio 37.6%, NCO YTD 0.07%.

Adjusted NPL
5.26%
Govt-guarantees stripped
Texas Ratio
37.6%
NCO YTD
0.07%
30-89 PD
1.40%
Band 0.3% / 3.0%
90+ PD
4.50%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.26% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.50%.

Reserves

RiskQoQ +1
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 10.1%, true coverage 10.1%.

ALLL / Loans
0.53%
Coverage
10.1%
True Loss Coverage
10.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.1% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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