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Beal Bank Usa

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2025-Q3QoQ +7

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

Quarterly Headline

2025-Q3

Bank #3284397 2025-Q3 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 80.3% of deposits (threshold 30%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +24
  • Reserves
    ↑ +13

The five pillars

Liquidity

StableQoQ -6
66
Sub-score

Liquidity is stable: brokered 80.3%, loans/deposits 69.0%, cash 3.5% of assets.

Cash / Assets
3.50%
Loans / Deposits
68.98%
Brokered %
80.30%

Watch Items

  • riskBrokered deposits above 30% — Brokered 80.3% of deposits (threshold 30%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 63.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
63.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 57.90%, CET1 57.90%, leverage 18.65%.

Tier 1 RBC
57.90%
CET1
57.90%
Leverage
18.65%
No watch items at this period.

Asset Quality

StableQoQ +24
65
Sub-score

Asset quality is stable: Adjusted NPL 2.65%, Texas Ratio 3.0%, NCO YTD -0.99%.

Adjusted NPL
2.65%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
-0.99%
30-89 PD
2.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.65% (govt-guarantees stripped).

Reserves

RiskQoQ +13
19
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 36.9%, true coverage 36.9%.

ALLL / Loans
0.97%
Coverage
36.9%
True Loss Coverage
36.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.9% (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