Liquidity
StrongQoQ -3
84
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 73.2%, cash 3.7% of assets.
- Cash / Assets
- 3.70%
- Loans / Deposits
- 73.20%
- Brokered %
- 0.00%
No watch items at this period.
Beardstown Savings Sb
IDRSSD: 835378
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
78
/ 100
StableAs of 2025-Q2QoQ 0
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 #835378 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↓ 0 ptscomposite
- Liquidity↓ -3
- Securities— —
- Capitalization— —
- Asset Quality↑ +1
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 19.60%, CET1 19.60%, leverage 10.81%.
- Tier 1 RBC
- 19.60%
- CET1
- 19.60%
- Leverage
- 10.81%
No watch items at this period.
Asset Quality
StableQoQ +1
70
Sub-score
Asset quality is stable: Adjusted NPL 1.94%, Texas Ratio 9.4%, NCO YTD 0.19%.
- Adjusted NPL
- 1.94%
- Texas Ratio
- 9.4%
- NCO YTD
- 0.19%
- 30-89 PD
- 2.30%
- 90+ PD
- 0.57%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +2
26
Sub-score
Reserves are weak: ALLL 0.98% of loans, coverage 51.0%, true coverage 51.0%.
- ALLL / Loans
- 0.98%
- Coverage
- 51.0%
- True Loss Coverage
- 51.0%
No watch items at this period.
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.tsfor 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: 2026-05-13 08:34:25 UTC