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Beneficial State Bank

Oakland, CA · Cert 58490 · Beneficial State Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Beneficial State Bank

Oakland, CA · Cert 58490 · Beneficial State Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.7BDeposits
$187.6MEquity
Loan mix
61%RE $913.8M6%C&I $87.3M33%Consumer $496.2MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.3B24%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.78%Q2 ’245.01%Q2 ’255.11%Q2 ’26+2%+3%

Non-interest income vs. expense

3.14%Q2 ’242.92%Q2 ’253.02%Q2 ’26+2%+2%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #28 of 69 inst. · $0.8B of $513.2B

1.2% Alameda
1.1% Multnomah
0.1% Los Angeles
0.2% King

Executive Summary

  • Earnings: ROA of 0.14%, down 1 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 2.53% of loans (+102 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 11.22%, down 62 bps from a year ago.
  • Funding: loans stand at 90.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+11 bps YoY

Efficiency Ratio (YTD, annualized)

76.07%-18 bps YoY

Tier 1 Leverage Ratio

11.22%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.33%0.15%-0.34%0.14%-1 bps
Return on Equity1.67%3.51%1.56%-3.67%1.51%-17 bps
Net Interest Margin3.60%3.54%3.56%3.70%3.70%+11 bps
Efficiency Ratio76.26%72.23%73.70%74.81%76.07%-18 bps
Non-Interest Burden2.68%2.45%2.53%2.67%2.75%+7 bps
Growth
Asset Growth (YoY)8.34%1.18%2.01%5.22%3.86%-448 bps
Loan Growth (YoY)3.58%8.01%15.42%18.08%15.72%+1,214 bps
Deposit Growth (YoY)10.78%1.42%-2.13%1.37%0.99%-979 bps
Asset Quality
Nonperforming Loans / Loans1.52%2.35%2.16%2.79%2.53%+102 bps
Net Charge-Offs / Loans1.09%0.96%0.87%0.94%0.73%-36 bps
Allowance / Loans1.76%1.75%1.72%1.94%1.76%0 bps
Allowance Coverage of NPLs1.2x0.7x0.8x0.7x0.7x-0.5x
Capital
Tier 1 Leverage Ratio11.84%11.65%11.45%11.20%11.22%-62 bps
Total Risk-Based Capital11.84%11.65%11.45%11.20%11.22%-62 bps
Equity / Assets9.16%9.67%9.42%9.33%9.25%+9 bps
Liquidity & Funding
Loans / Deposits79.30%83.44%88.52%91.10%90.87%+1,156 bps
Liquid Assets / Assets9.58%6.41%6.59%5.16%5.89%-369 bps
CRE / Total Capitaln/a332%372%383%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Beneficial State Bank

Oakland, CA · Cert 58490 · Peer group: banks $1B-$10B in assets (n=311-317) · Beneficial State Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.7BDeposits
$187.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks $1B-$10B in assets (rank 102 of 317).
  • Widest gap: return on equity trails 97% of banks $1B-$10B in assets (rank 308 of 317).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.14%

Rank 308 of 317

Net Interest Margin

3.70%

Rank 102 of 317

Efficiency Ratio

76.07%

Rank 288 of 317

Equity / Assets

9.25%

Rank 226 of 317

Non-interest income vs. expense

$5.6M$62.3MINCOMEEXPENSE
Unfavorable gap of $56.7M · efficiency ratio beats 9% of banks $1B-$10B in assets
Bank 76.07%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.14%0.93%1.22%1.51%Beats 3%308 / 317
Return on Equity1.49%8.63%11.43%14.48%Beats 3%308 / 317
Net Interest Margin3.70%3.06%3.45%3.83%Beats 68%102 / 317
Efficiency Ratio76.07%51.90%59.69%67.53%Beats 9%288 / 317
Asset Quality
Nonperforming Loans / Loans2.53%0.24%0.51%1.14%Beats 7%290 / 311
Net Charge-Offs / Loans0.56%0.01%0.04%0.12%Beats 6%292 / 311
Capital
Tier 1 Capital Ratio11.22%11.75%13.15%15.30%Beats 17%263 / 317
Total Risk-Based Capital Ratio11.22%12.63%14.21%16.26%Beats 10%284 / 317
Equity / Assets9.25%9.06%10.32%11.95%Beats 29%226 / 317
Liquidity & Funding
Loans / Deposits90.87%76.63%88.04%95.67%60th pctl126 / 312
Loans / Assets76.23%65.41%74.05%79.71%59th pctl129 / 317
Brokered Deposits / Depositsn/aNot reported for this institution