Beacon Bank & Trust
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
$22.2BAssets
$17.8BLoans
$18.6BDeposits
$2.5BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 69% of banks over $10B in assets (rank 44 of 144).
- Widest gap: total risk-based capital ratio trails 88% of banks over $10B in assets (rank 127 of 144).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $429.4M · efficiency ratio beats 35% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |