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The Bank Of Beaver City

IDRSSD: 137456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -11

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

Quarterly Headline

2024-Q1

Bank #137456 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.57%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -40

The five pillars

Liquidity

StrongQoQ -9
81
Sub-score

Liquidity is strong: brokered 5.8%, loans/deposits 58.8%, cash 3.4% of assets.

Cash / Assets
3.43%
Loans / Deposits
58.76%
Brokered %
5.84%
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

StrongQoQ -2
92
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 8.55%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
8.55%
No watch items at this period.

Asset Quality

StableQoQ -12
69
Sub-score

Asset quality is stable: Adjusted NPL 2.50%, Texas Ratio 13.7%, NCO YTD 0.00%.

Adjusted NPL
2.50%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
1.57%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.50% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.57%.

Reserves

WatchQoQ -40
52
Sub-score

Reserves are deteriorating: ALLL 1.57% of loans, coverage 63.7%, true coverage 63.7%.

ALLL / Loans
1.57%
Coverage
63.7%
True Loss Coverage
63.7%
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 11:22:12 UTC