PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beacon Business Bank, National Association

San Francisco, CA · Cert 25644 · Trans Pacific Bcorp

National charter · OCC · 2 branches

Q2 2026

$164.4MAssets
$116.4MLoans
$134.2MDeposits
$17.2MEquity
Loan mix
92%RE $106.4M8%C&I $9.1M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $94.3M30%Noninterest $40.0MQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #52 of 69 inst. · $0.1B of $513.2B

0.0% San Francisco
0.1% San Mateo

Executive Summary

  • Earnings: ROA of 0.37%, up 31 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.63%, up 64 bps from a year ago.
  • Funding: loans stand at 86.72% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.37%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.07%-8 bps YoY

Efficiency Ratio (quarter, annualized)

86.49%-1,286 bps YoY

Tier 1 Leverage Ratio

11.63%+64 bps YoY

NIM

4.57%Q2 ’244.54%Q2 ’254.65%Q2 ’26+18%-2%

Non-interest income vs. expense

2.88%Q2 ’243.43%Q2 ’253.33%Q2 ’26+17%-18%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%-0.17%-0.47%0.06%0.24%0.82%0.09%0.37%+31 bps
Return on Equity0.41%-1.98%-5.25%0.64%2.65%8.25%0.90%3.55%+291 bps
Net Interest Margin2.45%2.70%2.88%3.15%3.41%3.35%3.16%3.07%-8 bps
Efficiency Ratio107.98%95.72%107.54%99.35%92.72%80.56%93.08%86.49%-1,286 bps
Non-Interest Burden2.67%2.58%3.13%3.13%3.15%2.65%2.89%2.55%-58 bps
Growth
Asset Growth (YoY)-1.96%6.88%2.10%1.21%-2.15%-5.52%-0.97%-6.84%-805 bps
Loan Growth (YoY)7.88%9.71%21.41%26.66%17.92%8.08%3.03%-1.60%-2,825 bps
Deposit Growth (YoY)-4.90%24.09%16.22%9.53%10.40%-11.03%-8.55%-4.65%-1,418 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.40%1.43%1.42%1.32%1.33%1.26%1.27%1.29%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.86%11.01%11.26%11.00%10.87%11.26%11.84%11.63%+64 bps
Total Risk-Based Capital20.13%18.28%17.26%16.57%16.63%17.65%11.84%11.63%-494 bps
Equity / Assets8.98%8.64%9.25%8.90%9.41%10.38%10.10%10.48%+158 bps
Liquidity & Funding
Loans / Deposits73.91%70.76%80.05%84.04%78.94%85.96%90.19%86.72%+269 bps
Liquid Assets / Assets15.06%10.55%3.07%3.97%6.41%3.12%2.77%3.13%-83 bps
CRE / Total Capitaln/an/an/an/a511%472%490%n/an/a