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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 — 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 -2

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 #3216017 2026-Q1 Vital Signs Score: 80/100 — overall stable. 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 0.62% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -3
68
Sub-score

Liquidity is stable: brokered 14.2%, loans/deposits 90.9%, cash 4.7% of assets.

Cash / Assets
4.74%
Loans / Deposits
90.88%
Brokered %
14.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.15%
No watch items at this period.

Capitalization

StableQoQ -1
75
Sub-score

Capital position is stable: Tier 1 RBC 11.80%, CET1 11.80%, leverage 10.39%.

Tier 1 RBC
11.80%
CET1
11.80%
Leverage
10.39%
No watch items at this period.

Asset Quality

StrongQoQ -3
90
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.6%, NCO YTD 0.52%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.52%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
66
Sub-score

Reserves are stable: ALLL 0.62% of loans, coverage 177.0%, true coverage 171.7%.

ALLL / Loans
0.62%
Coverage
177.0%
True Loss Coverage
171.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% 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