Beverly Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.65 percentage points lower than in Q1 2026, at 195.54%. Within Illinois, Beverly Bank & Trust Company, N.A. is 119th of 323 on return on assets, 1.39% as of Q2 2026, above the middle of the field. Beverly Bank & Trust Company, N.A. reported 1.39% on return on assets for Q2 2026, 0.11 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.71% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 195.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 13.46% |
| Net interest margin | 3.65% |
| Efficiency ratio | 61.51% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.05% |
| Core deposits to total deposits | 79.91% |
| Brokered deposits to total deposits | 12.70% |
| Deposits to assets | 84.41% |
| Securities to assets | 14.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.30% | 11.30% | 12.19% | 10.40% | 1.40% |
| Q4 2023 | 10.67% | 10.67% | 11.53% | 10.00% | 1.03% |
| Q1 2024 | 11.10% | 11.10% | 11.91% | 10.09% | 1.73% |
| Q2 2024 | 11.07% | 11.07% | 11.87% | 9.90% | 1.50% |
| Q3 2024 | 11.51% | 11.51% | 12.36% | 9.87% | 1.28% |
| Q4 2024 | 11.56% | 11.56% | 12.46% | 10.08% | 1.09% |
| Q1 2025 | 11.15% | 11.15% | 12.06% | 10.01% | 1.55% |
| Q2 2025 | 11.19% | 11.19% | 12.13% | 10.09% | 1.37% |
| Q3 2025 | 11.51% | 11.51% | 12.49% | 10.00% | 1.10% |
| Q4 2025 | 11.83% | 11.83% | 12.60% | 10.13% | 1.92% |
| Q1 2026 | 11.80% | 11.80% | 12.45% | 10.44% | 1.93% |
| Q2 2026 | 11.43% | 11.43% | 12.10% | 9.91% | 1.39% |
Beverly Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beverly Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)