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
Unfavorable gap of $56.7M · efficiency ratio beats 10% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.14% | 0.91% | 1.22% | 1.52% | Beats 2% | 320 / 328 | |
| Return on Equity | 1.49% | 8.43% | 11.45% | 14.43% | Beats 2% | 320 / 328 | |
| Net Interest Margin | 3.70% | 3.03% | 3.45% | 3.83% | Beats 69% | 102 / 328 | |
| Efficiency Ratio | 76.07% | 51.61% | 59.56% | 67.53% | Beats 10% | 297 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.53% | 0.24% | 0.51% | 1.03% | Beats 8% | 298 / 322 | |
| Net Charge-Offs / Loans | 0.56% | 0.01% | 0.03% | 0.10% | Beats 6% | 305 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 11.75% | 13.15% | 15.47% | Beats 17% | 272 / 328 | |
| Total Risk-Based Capital Ratio | 11.22% | 12.63% | 14.15% | 16.46% | Beats 11% | 292 / 328 | |
| Equity / Assets | 9.25% | 9.15% | 10.33% | 12.01% | Beats 28% | 237 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.87% | 76.63% | 87.92% | 95.36% | 60th pctl | 128 / 323 | |
| Loans / Assets | 76.23% | 65.18% | 74.15% | 79.98% | 59th pctl | 133 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |