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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=322 to 328). 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

24

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

10

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 2026-10-11

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 2026-10-11

Beneficial State Bank

Oakland, CA · Cert 58490 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 69% of banks $1B-$10B in assets (rank 102 of 328).
  • Widest gap: return on equity trails 98% of banks $1B-$10B in assets (rank 320 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.14%

Rank 320 of 328

Net Interest Margin

3.70%

Rank 102 of 328

Efficiency Ratio

76.07%

Rank 297 of 328

Equity / Assets

9.25%

Rank 237 of 328

Non-interest income vs. expense

$5.6M$62.3MINCOMEEXPENSE
Unfavorable gap of $56.7M · efficiency ratio beats 10% of banks $1B-$10B in assets
Bank 76.07%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.14%0.91%1.22%1.52%Beats 2%320 / 328
Return on Equity1.49%8.43%11.45%14.43%Beats 2%320 / 328
Net Interest Margin3.70%3.03%3.45%3.83%Beats 69%102 / 328
Efficiency Ratio76.07%51.61%59.56%67.53%Beats 10%297 / 328
Asset Quality
Nonperforming Loans / Loans2.53%0.24%0.51%1.03%Beats 8%298 / 322
Net Charge-Offs / Loans0.56%0.01%0.03%0.10%Beats 6%305 / 322
Capital
Tier 1 Capital Ratio11.22%11.75%13.15%15.47%Beats 17%272 / 328
Total Risk-Based Capital Ratio11.22%12.63%14.15%16.46%Beats 11%292 / 328
Equity / Assets9.25%9.15%10.33%12.01%Beats 28%237 / 328
Liquidity & Funding
Loans / Deposits90.87%76.63%87.92%95.36%60th pctl128 / 323
Loans / Assets76.23%65.18%74.15%79.98%59th pctl133 / 328
Brokered Deposits / Depositsn/aNot reported for this institution