Visbanking Logo
Skip to main content

Barrington Bank And Trust Company National Association

IDRSSD: 2508751
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #2508751 2026-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 12.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.2% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.37%.

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +4
61
Sub-score

Liquidity is stable: brokered 11.2%, loans/deposits 100.2%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
100.22%
Brokered %
11.23%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.79% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.41%
No watch items at this period.

Capitalization

StableQoQ -1
65
Sub-score

Capital position is stable: Tier 1 RBC 10.85%, CET1 10.85%, leverage 10.35%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
10.35%
No watch items at this period.

Asset Quality

RiskQoQ +2
38
Sub-score

Asset quality is weak: Adjusted NPL 5.16%, Texas Ratio 38.6%, NCO YTD 0.10%.

Adjusted NPL
5.16%
Govt-guarantees stripped
Texas Ratio
38.6%
NCO YTD
0.10%
30-89 PD
1.32%
Band 0.3% / 3.0%
90+ PD
4.37%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.16% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.37%.

Reserves

RiskQoQ +1
4
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 12.2%, true coverage 12.2%.

ALLL / Loans
0.63%
Coverage
12.2%
True Loss Coverage
12.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.63% 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