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Beardstown Savings Sb

IDRSSD: 835378
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
77
/ 100
StableAs 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 #835378 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.7% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.36% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 76.0%, cash 2.4% of assets.

Cash / Assets
2.36%
Loans / Deposits
75.96%
Brokered %
2.78%

Watch Items

  • infoCash / Assets below 3% — Cash 2.36% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.04%, CET1 20.04%, leverage 10.99%.

Tier 1 RBC
20.04%
CET1
20.04%
Leverage
10.99%
No watch items at this period.

Asset Quality

StableQoQ 0
77
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 7.1%, NCO YTD 0.16%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.16%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.75%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
11
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 43.7%, true coverage 43.7%.

ALLL / Loans
0.63%
Coverage
43.7%
True Loss Coverage
43.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.63% 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: 2026-05-13 08:34:25 UTC