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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #3216017 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
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 Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -17
65
Sub-score

Liquidity is stable: brokered 11.5%, loans/deposits 95.3%, cash 3.3% of assets.

Cash / Assets
3.31%
Loans / Deposits
95.32%
Brokered %
11.50%
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
3.68%
No watch items at this period.

Capitalization

StableQoQ -5
69
Sub-score

Capital position is stable: Tier 1 RBC 11.15%, CET1 11.15%, leverage 9.96%.

Tier 1 RBC
11.15%
CET1
11.15%
Leverage
9.96%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 4.7%, NCO YTD 0.12%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.12%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
67
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 142.8%, true coverage 141.9%.

ALLL / Loans
0.88%
Coverage
142.8%
True Loss Coverage
141.9%
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