Taunton, MA · Cert 23622 · Beacon Bcorp
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 4.3% share · #6 of 22 inst. · $2.6B of $61.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.17% | 0.36% | 0.71% | 0.75% | 0.58% | 0.70% | 0.55% | -16 bps | |
| Return on Equity | 3.36% | -1.21% | 2.52% | 4.88% | 5.12% | 3.91% | 4.77% | 3.77% | -110 bps | |
| Net Interest Margin | 2.52% | 2.86% | 2.86% | 3.05% | 3.22% | 3.25% | 3.19% | 3.26% | +21 bps | |
| Efficiency Ratio | 79.80% | 75.16% | 77.97% | 74.31% | 70.96% | 75.03% | 77.43% | 76.73% | +242 bps | |
| Non-Interest Burden | 1.92% | 2.08% | 2.14% | 2.14% | 2.10% | 2.25% | 2.33% | 2.32% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | -3.39% | -1.32% | -3.89% | 0.73% | 4.01% | 4.17% | 8.92% | +1,281 bps | |
| Loan Growth (YoY) | 1.29% | 4.05% | 3.56% | 4.53% | 6.28% | 8.83% | 9.56% | 8.94% | +441 bps | |
| Deposit Growth (YoY) | 0.00% | 2.45% | 0.03% | -3.38% | 2.01% | 1.08% | 3.64% | 5.36% | +874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.69% | 0.65% | 0.63% | 0.61% | 0.64% | 0.60% | 0.60% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.01% | -0.08% | 0.02% | 0.10% | 0.02% | +1 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.93% | 0.96% | 0.96% | 0.96% | 0.94% | 0.93% | -3 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | 1.5x | 1.6x | 1.5x | 1.6x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.85% | 13.99% | 14.22% | 14.47% | 14.15% | 14.40% | 14.43% | 14.40% | -7 bps | |
| Total Risk-Based Capital | 19.02% | 19.39% | 19.92% | 19.39% | 19.40% | 18.89% | 19.17% | 18.94% | -45 bps | |
| Equity / Assets | 13.81% | 14.37% | 14.46% | 14.84% | 14.64% | 14.78% | 14.75% | 14.39% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.09% | 96.64% | 95.01% | 100.14% | 99.07% | 104.06% | 100.44% | 103.54% | +340 bps | |
| Liquid Assets / Assets | 4.21% | 5.90% | 6.88% | 2.31% | 3.74% | 1.14% | 2.17% | 2.48% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 258% | 255% | n/a | n/a | |