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Beverly Bank And Trust Company National Association

IDRSSD: 3216017
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-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

2024-Q4

Bank #3216017 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 11.5%, loans/deposits 92.0%, cash 10.2% of assets.

Cash / Assets
10.22%
Loans / Deposits
91.97%
Brokered %
11.48%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.73%
No watch items at this period.

Capitalization

StableQoQ +1
73
Sub-score

Capital position is stable: Tier 1 RBC 11.56%, CET1 11.56%, leverage 10.03%.

Tier 1 RBC
11.56%
CET1
11.56%
Leverage
10.03%
No watch items at this period.

Asset Quality

StrongQoQ -2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 3.8%, NCO YTD 0.16%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.16%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
73
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 171.0%, true coverage 169.4%.

ALLL / Loans
0.89%
Coverage
171.0%
True Loss Coverage
169.4%
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.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 04:14:51 UTC