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Beal Bank Usa

IDRSSD: 3284397
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2026-Q1QoQ 0

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 #3284397 2026-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 74.3% of deposits (threshold 30%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.3% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -1
48
Sub-score

Liquidity is deteriorating: brokered 74.3%, loans/deposits 112.3%, cash 4.7% of assets.

Cash / Assets
4.72%
Loans / Deposits
112.27%
Brokered %
74.27%

Watch Items

  • riskBrokered deposits above 30% — Brokered 74.3% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.3% (threshold 100%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 53.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
53.49%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 52.82%, CET1 52.82%, leverage 22.00%.

Tier 1 RBC
52.82%
CET1
52.82%
Leverage
22.00%
No watch items at this period.

Asset Quality

StrongQoQ +1
82
Sub-score

Asset quality is strong: Adjusted NPL 2.63%, Texas Ratio 3.8%, NCO YTD -0.01%.

Adjusted NPL
2.63%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
-0.01%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.63% (govt-guarantees stripped).

Reserves

RiskQoQ +1
23
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 45.3%, true coverage 29.3%.

ALLL / Loans
1.18%
Coverage
45.3%
True Loss Coverage
29.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).

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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 05:10:24 UTC