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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #3284397 2024-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 83.8% 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 5.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -12
68
Sub-score

Liquidity is stable: brokered 83.8%, loans/deposits 43.1%, cash 4.7% of assets.

Cash / Assets
4.67%
Loans / Deposits
43.13%
Brokered %
83.75%

Watch Items

  • riskBrokered deposits above 30% — Brokered 83.8% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 67.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
67.79%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 99.32%, CET1 99.32%, leverage 21.42%.

Tier 1 RBC
99.32%
CET1
99.32%
Leverage
21.42%
No watch items at this period.

Asset Quality

WatchQoQ -10
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 14.91%, Texas Ratio 8.7%, NCO YTD -0.04%.

Adjusted NPL
14.91%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
-0.04%
30-89 PD
1.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 14.91% (govt-guarantees stripped).

Reserves

RiskQoQ +2
12
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 5.8%, true coverage 5.6%.

ALLL / Loans
0.85%
Coverage
5.8%
True Loss Coverage
5.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 5.8% (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