Visbanking Logo
Skip to main content

Beacon Bank And Trust

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #782306 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.70% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ 0
57
Sub-score

Liquidity is deteriorating: brokered 9.6%, loans/deposits 114.9%, cash 2.7% of assets.

Cash / Assets
2.70%
Loans / Deposits
114.89%
Brokered %
9.56%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.70% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.91%
No watch items at this period.

Capitalization

StableQoQ +2
67
Sub-score

Capital position is stable: Tier 1 RBC 11.04%, CET1 11.04%, leverage 9.52%.

Tier 1 RBC
11.04%
CET1
11.04%
Leverage
9.52%
No watch items at this period.

Asset Quality

StrongQoQ -4
90
Sub-score

Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 10.3%, NCO YTD 0.22%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.22%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.27%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
83
Sub-score

Reserves are strong: ALLL 1.59% of loans, coverage 124.2%, true coverage 117.7%.

ALLL / Loans
1.59%
Coverage
124.2%
True Loss Coverage
117.7%
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