Beverly Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 40.4% in Q2 2026, from -$3.3M to -$4.7M. It was the largest change from Q1 2026 among the key lines here. Beverly Bank & Trust Company, N.A. ranks 165th of 198 Illinois banks on CET1 ratio, in the lower half at 11.43% (Q2 2026). Beverly Bank & Trust Company, N.A. reported 11.43% on CET1 ratio for Q2 2026, 2.06 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $257.6M |
| Tier 1 capital | $257.6M |
| Total risk-based capital | $272.8M |
| Total equity capital | $265.5M |
| Risk-weighted assets | $2.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.44% |
| Equity capital to average assets | 10.17% |
| Internal capital growth rate | -8.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $141.3M |
| Retained earnings | $125.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.30% | 11.30% | 12.19% | 10.40% | $2.04B |
| Q4 2023 | 10.67% | 10.67% | 11.53% | 10.00% | $2.08B |
| Q1 2024 | 11.10% | 11.10% | 11.91% | 10.09% | $2.08B |
| Q2 2024 | 11.07% | 11.07% | 11.87% | 9.90% | $2.13B |
| Q3 2024 | 11.51% | 11.51% | 12.36% | 9.87% | $2.08B |
| Q4 2024 | 11.56% | 11.56% | 12.46% | 10.08% | $2.13B |
| Q1 2025 | 11.15% | 11.15% | 12.06% | 10.01% | $2.21B |
| Q2 2025 | 11.19% | 11.19% | 12.13% | 10.09% | $2.24B |
| Q3 2025 | 11.51% | 11.51% | 12.49% | 10.00% | $2.15B |
| Q4 2025 | 11.83% | 11.83% | 12.60% | 10.13% | $2.11B |
| Q1 2026 | 11.80% | 11.80% | 12.45% | 10.44% | $2.23B |
| Q2 2026 | 11.43% | 11.43% | 12.10% | 9.91% | $2.25B |
Beverly Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Beverly Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beverly Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57701) · FFIEC NIC profile (RSSD 3216017)