TellerScore

Headquartered in Chicago, Illinois, Beverly Bank & Trust Company, National Association is a national bank with $2.7B in total assets and $2.3B in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 2004.

Based on its Q2 2026 filing, Beverly Bank & Trust Company, National Association scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 152nd. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is capital cushion (49/100; 9.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 27.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the loan quality component improved by 9 points.

TellerScore
677175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202469
Q4 202468
Q1 202567
Q2 202567
Q3 202568
Q4 202570
Q1 202675
Q2 202671
Tier 1 leverage ratio
5.00%7.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.90%
Q3 20249.87%
Q4 202410.08%
Q1 202510.01%
Q2 202510.09%
Q3 202510.00%
Q4 202510.13%
Q1 202610.44%
Q2 20269.91%
Noncurrent loans
0.32%0.50%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.44%
Q4 20240.52%
Q1 20250.62%
Q2 20250.67%
Q3 20250.46%
Q4 20250.41%
Q1 20260.35%
Q2 20260.40%
Return on assets
1.33%1.61%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.60%
Q3 20241.49%
Q4 20241.39%
Q1 20251.55%
Q2 20251.44%
Q3 20251.33%
Q4 20251.47%
Q1 20261.89%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.7B9.91%0.40%1.62%90.4%
Q1 202675$2.7B10.44%0.35%1.89%90.9%
Q4 202570$2.5B10.13%0.41%1.47%91.7%
Q3 202568$2.5B10.00%0.46%1.33%92.7%
Q2 202567$2.6B10.09%0.67%1.44%93.5%
Q1 202567$2.5B10.01%0.62%1.55%95.3%
Q4 202468$2.5B10.08%0.52%1.39%92.0%
Q3 202469$2.5B9.87%0.44%1.49%90.9%
Q2 202471$2.5B9.90%0.32%1.60%92.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
34th
Total risk-based capital12.10%
33rd
Problem loans0.40%
60th
Net charge-offs0.29%
14th
Return on assets1.62%
76th
Net interest margin3.61%
44th
Efficiency ratio58.0%
54th
Loans to deposits90.4%
39th
Uninsured deposits27.5%
60th
Loan-loss reserves0.66%
9th
Texas ratio3.4%
52nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
INB, National AssociationBank Springfield, IL62 out of 100, Moderate$2.7B9.4%1.10%vs
FCB BanksBank Collinsville, IL66 out of 100, Moderate$2.6B8.5%0.76%vs
Republic Bank of ChicagoBank Oak Brook, IL68 out of 100, Moderate$2.6B12.6%1.27%vs
State Bank of the Lakes, National AssociationBank Antioch, IL71 out of 100, Strong$2.8B9.0%0.18%vs
Schaumburg Bank & Trust Company, National AssociationBank Schaumburg, IL73 out of 100, Strong$2.6B9.4%0.11%vs
Lakeside BankBank Chicago, IL75 out of 100, Strong$2.9B11.0%0.03%vs

Deposit insurance

Is my money safe at Beverly Bank & Trust Company, National Association?

Yes. Beverly Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #57701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($625.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.10% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Beverly Bank & Trust Company, National Association lists 8 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Beverly Bank & Trust Company, National Association reported 88 home-loan applications under HMDA (LEI 549300FOO7XNZ1564N12): 65 originated ($47,105,000 total), 9 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Beverly Bank & Trust Company, National Association
Type
National bank
FDIC certificate #
57701
RSSD ID
3216017
Primary regulator
OCC
Holding company
Wintrust Financial Corp
Established
April 1, 2004
Headquarters
10258 S Western Ave, Chicago, IL 60643
Employees
209

Quick answers

Beverly Bank & Trust Company, National Association: common questions

Is Beverly Bank & Trust Company, National Association FDIC insured?

Yes. Beverly Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #57701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Beverly Bank & Trust Company, National Association's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Beverly Bank & Trust Company, National Association ever failed?

There is no failure record for FDIC certificate #57701 in the FDIC failed bank list.

How many branches does Beverly Bank & Trust Company, National Association have?

8 offices as of the latest FDIC data.

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