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Beardstown Savings Sb

IDRSSD: 835378
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #835378 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.7% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +11
89
Sub-score

Liquidity is strong: brokered 7.5%, loans/deposits 69.6%, cash 7.2% of assets.

Cash / Assets
7.18%
Loans / Deposits
69.64%
Brokered %
7.52%
No watch items at this period.

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 19.89%, CET1 19.89%, leverage 10.53%.

Tier 1 RBC
19.89%
CET1
19.89%
Leverage
10.53%
No watch items at this period.

Asset Quality

StrongQoQ +4
81
Sub-score

Asset quality is strong: Adjusted NPL 1.39%, Texas Ratio 6.8%, NCO YTD -0.01%.

Adjusted NPL
1.39%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
-0.01%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.70%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
12
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 45.7%, true coverage 45.7%.

ALLL / Loans
0.63%
Coverage
45.7%
True Loss Coverage
45.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.7% (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