BlastPoint's Banking Scorecard
Beverly Bank & Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 57701
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Beverly Bank & Trust Company, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+1.5% YoY
+0.9% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.0B
+1.1% YoY
-0.3% QoQ
|
+$979.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.1B
+1.5% YoY
+0.9% QoQ
|
+$968.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.47%
+5.6% YoY
+10.7% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.75%
+1.0% YoY
-0.3% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
60.00%
-1.1% YoY
-0.1% QoQ
|
-2.63% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.42%
-20.2% YoY
-10.4% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
91.66%
-0.3% YoY
-1.2% QoQ
|
+8.59% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
16.06%
-4.9% YoY
-1.6% QoQ
|
-4.99% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.37%
-18.4% YoY
-10.2% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.83%
+2.3% YoY
+2.7% QoQ
|
+1.58% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
1.75%
+12.6% YoY
+34.9% QoQ
|
+1.01% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#53 of 371 · Top 14% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.75%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.47%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Liquidity Strain
risk
#40 of 513 · Bottom 8% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.66%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.75% · Tier avg: 0.74%
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.66% · Tier avg: 83.06%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
56
56th pctile
Efficiency Ratio
Current: 60.00% · Tier avg: 62.63%
53
53th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.83% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.06% · Tier avg: 21.05%
Top Weaknesses
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.06% · Tier avg: 21.05%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.83% · Tier avg: 10.24%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
53
53th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
56
56th pctile
Efficiency Ratio
Current: 60.00% · Tier avg: 62.63%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.66% · Tier avg: 83.06%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
94
94th pctile
Non-Interest Income / Assets
Current: 1.75% · Tier avg: 0.74%