Beverly Bank & Trust Company
Beverly Bank & Trust Company reported total assets of $2.7 bn at Q2 2026, up 4.6% on a year earlier, the 470th largest of 497 banks in our US coverage. The CET1 capital ratio at Beverly Bank & Trust Company was 11.43%, and the uninsured share of Beverly Bank & Trust Company was 27.51%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Beverly Bank & Trust Company climbed from 308th to 148th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Beverly Bank & Trust Company apart
How large is Beverly Bank & Trust Company?
The balance sheet of Beverly Bank & Trust Company at : assets $2.7 bn, deposits $2.3 bn, net loans $2.1 bn (loans equal to 90.45% of deposits). Securities make up 14.9% of total assets at Beverly Bank & Trust Company. Since , when Beverly Bank & Trust Company held $1.0 bn, its assets grew 165.9%. In the year to , deposits at Beverly Bank & Trust Company rose 4.0% while its total assets rose 4.6%. At , Beverly Bank & Trust Company employed 209 full-time equivalent staff across 8 offices, about $12.9 mn of assets per employee and $284.1 mn of deposits per office.
How much funding at Beverly Bank & Trust Company is uninsured?
At Beverly Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 27.51% of domestic deposits at (-3.51 pp on a year earlier); Beverly Bank & Trust Company ranks 344th of 500 on this measure. In dollars, Beverly Bank & Trust Company estimated $625.1 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +4.0% | 463rd of 499 |
| Net loans and leases | $2.1 bn | +0.7% | 432nd of 500 |
| Loan-to-deposit ratio | 90.45% | -3.04 pp | 181st of 500 |
| Tier 1 leverage ratio | 9.91% | -0.18 pp | 313th of 500 |
| Total risk-based capital ratio | 12.10% | -0.02 pp | 408th of 448 |
| Net interest margin | 3.61% | -0.18 pp | 261st of 500 |
| Return on assets (ROA) | 1.62% | +0.18 pp | 117th of 500 |
| Efficiency ratio | 57.99% | -1.25 pp | 294th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $16.3 mn | Narrowed by $2.1 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $5.8 mn | Widened by $2.7 mn | |
| Noncurrent loans to total loans | 0.40% | -0.27 pp | 148th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.29% | +0.18 pp | 397th of 500 (1 = lowest) |
US rank of Beverly Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Beverly Bank & Trust Company: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.3bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of Beverly Bank & Trust Company stood at 11.43% in , +0.24 pp year on year. Low and high at Beverly Bank & Trust Company since : 9.32% () to 12.03% (). Equity capital of Beverly Bank & Trust Company at : $265.5 mn, or 9.9% of total assets. Beverly Bank & Trust Company also reported a total capital ratio of 12.10% for , and a tier 1 leverage ratio of 9.91%.
On held-to-maturity securities, Beverly Bank & Trust Company carried an unrealized loss of $16.3 mn at , equal to 6.1% of equity capital. The loss narrowed by $2.1 mn over the year. Its deepest point: $24.5 mn in . The available-for-sale portfolio of Beverly Bank & Trust Company showed an unrealized loss of $5.8 mn at ; the loss widened by $2.7 mn over the year.
Beverly Bank & Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.9%
Beverly Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$6mn
- Held to maturity -$16mn
Profitability and loan quality
For the year to , Beverly Bank & Trust Company earned a return on equity of 15.97%; return on assets: 1.62%. Net interest margin at Beverly Bank & Trust Company: 3.61%, -0.18 pp in a year. Beverly Bank & Trust Company net income: $21.3 mn, up 17.5% year on year. The efficiency ratio of Beverly Bank & Trust Company was 57.99%: about 58 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.40% of total loans at Beverly Bank & Trust Company; net charge-offs: 0.29% of average loans. Gross loans and leases at Beverly Bank & Trust Company: $2.1 bn, up 0.4% in a year.
Beverly Bank & Trust Company: profitability
- Return on equity 16%
- Net interest margin 3.6%
- Return on assets 1.6%
Peer group of Beverly Bank & Trust Company
The peer group of Beverly Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Beverly Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Beverly Bank & Trust Company shows CET1 ratio 11.43% against a peer median of 13.81%, return on equity 15.97% against a peer median of 11.98% and uninsured deposit share 27.51% against a peer median of 42.08%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Tradition Capital Bank | State nonmember bank | MN | $2.7 bn | 10.32% | 10.98% | 45.41% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
. FDIC Call Reports.
Last eight quarters
Two years at Beverly Bank & Trust Company, to : assets +9.8%, deposits +9.5%, equity +5.6%. Staff 200 to 209; offices 9 to 8.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.7 bn | $2.7 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.1 bn | $2.1 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $251.3 mn | $253.8 mn | $256.2 mn | $261.3 mn | $259.7 mn | $262.3 mn | $272.2 mn | $265.5 mn |
| CET1 ratio | 11.51% | 11.56% | 11.15% | 11.19% | 11.51% | 11.83% | 11.80% | 11.43% |
| Return on equity (ROE) | 14.87% | 13.78% | 15.06% | 14.09% | 12.90% | 14.25% | 18.33% | 15.97% |
| Uninsured share of domestic deposits | 31.41% | 29.05% | 30.34% | 31.02% | 28.55% | 29.10% | 27.75% | 27.51% |
| Full-time equivalent employees | 200 | 196 | 200 | 204 | 202 | 200 | 201 | 209 |
| Number of offices | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Beverly Bank & Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Beverly Bank & Trust Company?
Beverly Bank & Trust Company reported $2.7 bn at in its Call Report. That makes Beverly Bank & Trust Company the 470th largest of 497 banks in our US coverage.
Is Beverly Bank & Trust Company the same as its holding company?
No. This page covers Beverly Bank & Trust Company, FDIC certificate 57701; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Beverly Bank & Trust Company profitable?
Beverly Bank & Trust Company reported net income of $21.3 mn for the year to ; annualized return on equity: 15.97%. So yes: Beverly Bank & Trust Company made a profit over these months.
When is data for Beverly Bank & Trust Company next updated?
Figures from Beverly Bank & Trust Company for are due after .
Where can I check the figures for Beverly Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 57701, and in the Call Reports of Beverly Bank & Trust Company (RSSD ID 3216017) at the FFIEC Central Data Repository.