Beacon Business Bank, National Association
San Francisco, CA · Cert 25644 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 105 of 743).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets operating in a single state (rank 684 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.23%
Rank 686 of 746
Net Interest Margin
3.08%
Rank 590 of 746
Efficiency Ratio
89.77%
Rank 684 of 746
Equity / Assets
10.48%
Rank 376 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.72% | 1.06% | 1.45% | Beats 8% | 686 / 746 | | |
| Return on Equity | 2.21% | 6.74% | 10.51% | 13.63% | Beats 9% | 678 / 746 | | |
| Net Interest Margin | 3.08% | 3.17% | 3.68% | 4.16% | Beats 21% | 590 / 746 | | |
| Efficiency Ratio | 89.77% | 55.74% | 64.58% | 75.47% | Beats 8% | 684 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.55% | 13.75% | 17.60% | Beats 26% | 554 / 746 | | |
| Total Risk-Based Capital Ratio | 11.63% | 11.71% | 14.33% | 18.43% | Beats 24% | 568 / 746 | | |
| Equity / Assets | 10.48% | 8.90% | 10.51% | 13.06% | Beats 50% | 376 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.72% | 61.31% | 78.27% | 90.78% | 68th pctl | 240 / 746 | | |
| Loans / Assets | 70.83% | 53.60% | 66.97% | 76.08% | 59th pctl | 304 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |