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 | |