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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #3284397 2025-Q4 Vital Signs Score: 58/100 — 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 73.1% of deposits (threshold 30%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.9% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -16
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -16
49
Sub-score

Liquidity is deteriorating: brokered 73.1%, loans/deposits 110.6%, cash 5.1% of assets.

Cash / Assets
5.08%
Loans / Deposits
110.62%
Brokered %
73.15%

Watch Items

  • riskBrokered deposits above 30% — Brokered 73.1% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 110.6% (threshold 100%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 58.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
58.67%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 53.51%, CET1 53.51%, leverage 19.27%.

Tier 1 RBC
53.51%
CET1
53.51%
Leverage
19.27%
No watch items at this period.

Asset Quality

StrongQoQ +15
81
Sub-score

Asset quality is strong: Adjusted NPL 2.79%, Texas Ratio 4.0%, NCO YTD -0.03%.

Adjusted NPL
2.79%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
-0.03%
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 2.79% (govt-guarantees stripped).

Reserves

RiskQoQ +3
22
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 37.9%, true coverage 37.9%.

ALLL / Loans
1.05%
Coverage
37.9%
True Loss Coverage
37.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.9% (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