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Beal Bank Usa

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2023-Q4QoQ -17

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

Quarterly Headline

2023-Q4

Bank #3284397 2023-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 88.0% of deposits (threshold 30%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 5.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -17 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -33
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
80
Sub-score

Liquidity is strong: brokered 88.0%, loans/deposits 31.8%, cash 18.0% of assets.

Cash / Assets
17.97%
Loans / Deposits
31.79%
Brokered %
87.97%

Watch Items

  • riskBrokered deposits above 30% — Brokered 88.0% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 56.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
56.31%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 66.62%, CET1 66.62%, leverage 14.26%.

Tier 1 RBC
66.62%
CET1
66.62%
Leverage
14.26%
No watch items at this period.

Asset Quality

StableQoQ -33
67
Sub-score

Asset quality is stable: Adjusted NPL 14.00%, Texas Ratio 10.8%, NCO YTD -0.07%.

Adjusted NPL
14.00%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
-0.07%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 14.00% (govt-guarantees stripped).

Reserves

Risk
10
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 5.7%, true coverage 5.6%.

ALLL / Loans
0.80%
Coverage
5.7%
True Loss Coverage
5.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 5.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.6% (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%. 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: 2026-05-14 05:10:24 UTC