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Beacon Bank And Trust

IDRSSD: 782306
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ +1

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

Quarterly Headline

2024-Q4

Bank #782306 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.6% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ -1
56
Sub-score

Liquidity is deteriorating: brokered 10.8%, loans/deposits 116.6%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
116.57%
Brokered %
10.79%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.85%
No watch items at this period.

Capitalization

WatchQoQ 0
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.47%, CET1 10.47%, leverage 9.25%.

Tier 1 RBC
10.47%
CET1
10.47%
Leverage
9.25%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 0.83%, Texas Ratio 6.9%, NCO YTD 0.51%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
0.51%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
88
Sub-score

Reserves are strong: ALLL 1.36% of loans, coverage 166.1%, true coverage 136.6%.

ALLL / Loans
1.36%
Coverage
166.1%
True Loss Coverage
136.6%
No watch items at this period.

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 08:38:58 UTC