Beacon Business Bank, National Association
San Francisco, CA · Cert 25644 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Trans Pacific Bcorp
National charter · OCC · 2 branches
Q2 2026
$164.4MAssets
$116.4MLoans
$134.2MDeposits
$17.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets operating in a single state (rank 694 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.23%
Rank 697 of 755
Net Interest Margin
3.08%
Rank 593 of 755
Efficiency Ratio
89.77%
Rank 694 of 755
Equity / Assets
10.48%
Rank 393 of 755
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.72% | 1.06% | 1.45% | Beats 8% | 697 / 755 | |
| Return on Equity | 2.21% | 6.66% | 10.44% | 13.61% | Beats 9% | 685 / 755 | |
| Net Interest Margin | 3.08% | 3.15% | 3.68% | 4.17% | Beats 21% | 593 / 755 | |
| Efficiency Ratio | 89.77% | 55.75% | 64.78% | 75.61% | Beats 8% | 694 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.56% | 13.81% | 17.74% | Beats 25% | 563 / 755 | |
| Total Risk-Based Capital Ratio | 11.63% | 11.72% | 14.46% | 18.53% | Beats 24% | 576 / 755 | |
| Equity / Assets | 10.48% | 8.93% | 10.56% | 13.13% | Beats 48% | 393 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 86.72% | 62.43% | 78.62% | 91.00% | 67th pctl | 250 / 755 | |
| Loans / Assets | 70.83% | 54.70% | 67.27% | 76.55% | 59th pctl | 313 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |