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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs 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 #3216017 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ +7
71
Sub-score

Liquidity is stable: brokered 11.4%, loans/deposits 91.7%, cash 5.4% of assets.

Cash / Assets
5.38%
Loans / Deposits
91.66%
Brokered %
11.38%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.36%
No watch items at this period.

Capitalization

StableQoQ +3
76
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 10.08%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
10.08%
No watch items at this period.

Asset Quality

StrongQoQ +3
93
Sub-score

Asset quality is strong: Adjusted NPL 0.42%, Texas Ratio 3.1%, NCO YTD 0.44%.

Adjusted NPL
0.42%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.44%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -13
69
Sub-score

Reserves are stable: ALLL 0.73% of loans, coverage 175.2%, true coverage 169.2%.

ALLL / Loans
0.73%
Coverage
175.2%
True Loss Coverage
169.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% 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: 2026-05-14 04:14:51 UTC