BlastPoint's Banking Scorecard
Beverly Bank & Trust Company, National Association
Chicago, IL
8 branches across IL
Beverly Bank & Trust Company, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 13.1% in tier
- + Profitability Leader: Top 41.2% in tier
- + Efficiency Ratio 6.64% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.9% in tier
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+7.5% YoY
+5.4% QoQ
|
-$157.1M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$2.1B
+2.9% YoY
+5.1% QoQ
|
+$89.7M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$2.3B
+7.9% YoY
+6.0% QoQ
|
-$82.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.89%
+22.1% YoY
+28.8% QoQ
|
+0.53% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Top 13.9% in tier |
| Net Interest Margin ? |
3.61%
-6.2% YoY
-3.8% QoQ
|
-0.21% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
54.42%
-5.8% YoY
-9.3% QoQ
|
-6.64% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.35%
-43.2% YoY
-15.4% QoQ
|
-0.54% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
90.88%
-4.7% YoY
-0.8% QoQ
|
+6.68% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.20%
+6.7% YoY
+13.3% QoQ
|
-3.09% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.32%
-42.0% YoY
-14.3% QoQ
|
-0.35% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.80%
+5.8% YoY
-0.3% QoQ
|
-3.36% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.54%
+29.2% YoY
-69.2% QoQ
|
+0.28% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 5.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.