Oakland, CA · Cert 58490 · Beneficial State Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #28 of 69 inst. · $0.8B of $513.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.33% | 0.15% | -0.34% | 0.14% | -1 bps | |
| Return on Equity | 1.67% | 3.51% | 1.56% | -3.67% | 1.51% | -17 bps | |
| Net Interest Margin | 3.60% | 3.54% | 3.56% | 3.70% | 3.70% | +11 bps | |
| Efficiency Ratio | 76.26% | 72.23% | 73.70% | 74.81% | 76.07% | -18 bps | |
| Non-Interest Burden | 2.68% | 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 / Loans | 1.52% | 2.35% | 2.16% | 2.79% | 2.53% | +102 bps | |
| Net Charge-Offs / Loans | 1.09% | 0.96% | 0.87% | 0.94% | 0.73% | -36 bps | |
| Allowance / Loans | 1.76% | 1.75% | 1.72% | 1.94% | 1.76% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.7x | 0.8x | 0.7x | 0.7x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.84% | 11.65% | 11.45% | 11.20% | 11.22% | -62 bps | |
| Total Risk-Based Capital | 11.84% | 11.65% | 11.45% | 11.20% | 11.22% | -62 bps | |
| Equity / Assets | 9.16% | 9.67% | 9.42% | 9.33% | 9.25% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.30% | 83.44% | 88.52% | 91.10% | 90.87% | +1,156 bps | |
| Liquid Assets / Assets | 9.58% | 6.41% | 6.59% | 5.16% | 5.89% | -369 bps | |
| CRE / Total Capital | n/a | 332% | 372% | 383% | n/a | n/a | |