Boston, MA · Cert 17798 · Beacon Financial Corp.
State charter, Fed member · FED · 150 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
35
Profitability
44
Liquidity
26
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Boston, MA · Cert 17798 · Beacon Financial Corp.
State charter, Fed member · FED · 150 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 1.3% share · #8 of 100 inst. · $7.6B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.62% | 0.72% | 0.73% | -0.06% | 0.79% | 0.90% | 1.05% | +32 bps | |
| Return on Equity | 5.84% | 6.66% | 7.66% | 7.64% | -0.61% | 7.64% | 8.11% | 9.41% | +177 bps | |
| Net Interest Margin | 3.02% | 3.03% | 3.16% | 3.26% | 2.76% | 2.32% | 3.59% | 3.61% | +35 bps | |
| Efficiency Ratio | 63.41% | 63.10% | 60.65% | 58.79% | 71.18% | 65.46% | 59.81% | 56.07% | -272 bps | |
| Non-Interest Burden | 1.84% | 1.84% | 1.86% | 1.85% | 1.90% | 1.48% | 2.08% | 1.94% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.16% | 3.62% | -1.09% | -3.01% | 261% | 262% | 256% | 260% | +26,330 bps | |
| Loan Growth (YoY) | 3.36% | 0.40% | -2.16% | -3.24% | 229% | 224% | 230% | 229% | +23,236 bps | |
| Deposit Growth (YoY) | 2.86% | 5.60% | 3.66% | 1.62% | 317% | 318% | 289% | 302% | +30,039 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 0.82% | 1.02% | 1.28% | 0.67% | 0.84% | 0.86% | 0.90% | -38 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.41% | 0.06% | 0.14% | 0.21% | 0.21% | 0.30% | 0.31% | +17 bps | |
| Allowance / Loans | 1.44% | 1.36% | 1.49% | 1.59% | 1.38% | 1.40% | 1.36% | 1.34% | -25 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.7x | 1.5x | 1.2x | 2.1x | 1.7x | 1.6x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.30% | 9.40% | 9.57% | 12.96% | 9.39% | 9.64% | 9.83% | +26 bps | |
| Total Risk-Based Capital | 11.70% | 11.73% | 12.13% | 12.30% | 11.66% | 12.36% | 12.58% | 12.86% | +57 bps | |
| Equity / Assets | 9.42% | 9.23% | 9.60% | 9.77% | 10.54% | 10.82% | 11.32% | 11.44% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.85% | 118.18% | 114.79% | 116.74% | 95.99% | 91.47% | 97.22% | 95.57% | -2,116 bps | |
| Liquid Assets / Assets | 2.30% | 2.26% | 2.32% | 2.22% | 4.56% | 7.94% | 4.17% | 4.39% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 509% | 473% | 465% | n/a | n/a | |
Boston, MA · Cert 17798 · Peer group: banks over $10B in assets (n=142-144) · Beacon Financial Corp.
State charter, Fed member · FED · 150 branches
Q2 2026
Return on Assets
1.07%
Rank 98 of 144
Net Interest Margin
3.61%
Rank 44 of 144
Efficiency Ratio
59.86%
Rank 95 of 144
Equity / Assets
11.44%
Rank 71 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 1.00% | 1.26% | 1.54% | Beats 32% | 98 / 144 | ||
| Return on Equity | 9.33% | 8.98% | 11.34% | 14.40% | Beats 31% | 99 / 144 | ||
| Net Interest Margin | 3.61% | 2.82% | 3.31% | 3.68% | Beats 69% | 44 / 144 | ||
| Efficiency Ratio | 59.86% | 49.42% | 56.02% | 62.41% | Beats 35% | 95 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.48% | 0.73% | 1.07% | Beats 35% | 94 / 142 | ||
| Net Charge-Offs / Loans | 0.18% | 0.05% | 0.11% | 0.22% | Beats 34% | 96 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.77% | 12.07% | 12.98% | 14.92% | Beats 15% | 122 / 144 | ||
| Total Risk-Based Capital Ratio | 12.86% | 13.39% | 14.14% | 16.25% | Beats 12% | 127 / 144 | ||
| Equity / Assets | 11.44% | 9.69% | 11.39% | 12.96% | Beats 51% | 71 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.57% | 75.72% | 84.92% | 91.56% | 84th pctl | 23 / 143 | ||
| Loans / Assets | 80.27% | 59.83% | 69.07% | 74.80% | 92nd pctl | 12 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||