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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 — 2025-Q2

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

Synthesis

Vital Signs Score
50
/ 100
WatchAs of 2025-Q2QoQ -2

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 #3284397 2025-Q2 Vital Signs Score: 50/100 — 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 83.5% of deposits (threshold 30%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 6.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +9
71
Sub-score

Liquidity is stable: brokered 83.5%, loans/deposits 61.0%, cash 6.1% of assets.

Cash / Assets
6.11%
Loans / Deposits
61.01%
Brokered %
83.46%

Watch Items

  • riskBrokered deposits above 30% — Brokered 83.5% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 60.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
60.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 53.78%, CET1 53.78%, leverage 18.61%.

Tier 1 RBC
53.78%
CET1
53.78%
Leverage
18.61%
No watch items at this period.

Asset Quality

WatchQoQ -17
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 11.03%, Texas Ratio 12.6%, NCO YTD 2.37%.

Adjusted NPL
11.03%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
2.37%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.03% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.37% of loans.

Reserves

RiskQoQ 0
6
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 6.1%, true coverage 5.5%.

ALLL / Loans
0.67%
Coverage
6.1%
True Loss Coverage
5.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 6.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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