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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.26% | -0.14% | 0.45% | 0.67% | -0.39% | -0.34% | 0.62% | +17 bps | |
| Return on Equity | 9.95% | 2.84% | -1.56% | 4.86% | 7.09% | -4.07% | -3.67% | 6.68% | +183 bps | |
| Net Interest Margin | 3.79% | 3.71% | 3.38% | 3.76% | 3.61% | 3.66% | 3.70% | 3.73% | -3 bps | |
| Efficiency Ratio | 69.08% | 72.07% | 81.19% | 71.88% | 65.17% | 77.92% | 74.81% | 77.39% | +552 bps | |
| Non-Interest Burden | 2.37% | 2.61% | 2.71% | 2.62% | 2.14% | 2.77% | 2.67% | 2.85% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 7.29% | 3.97% | 8.34% | 1.18% | 2.01% | 5.22% | 3.86% | -448 bps | |
| Loan Growth (YoY) | 2.81% | 1.13% | 1.04% | 3.58% | 8.01% | 15.42% | 18.08% | 15.72% | +1,214 bps | |
| Deposit Growth (YoY) | 3.70% | 10.66% | 5.98% | 10.78% | 1.42% | -2.13% | 1.37% | 0.99% | -979 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.40% | 2.07% | 1.52% | 2.35% | 2.16% | 2.79% | 2.53% | +102 bps | |
| Net Charge-Offs / Loans | 0.38% | 1.58% | 1.61% | 0.64% | 0.75% | 0.80% | 0.94% | 0.54% | -10 bps | |
| Allowance / Loans | 1.98% | 1.88% | 1.79% | 1.76% | 1.75% | 1.72% | 1.94% | 1.76% | 0 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 0.9x | 1.2x | 0.7x | 0.8x | 0.7x | 0.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.22% | 11.59% | 11.58% | 11.84% | 11.65% | 11.45% | 11.20% | 11.22% | -62 bps | |
| Total Risk-Based Capital | 12.22% | 11.59% | 11.58% | 11.84% | 11.65% | 11.45% | 11.20% | 11.22% | -62 bps | |
| Equity / Assets | 9.60% | 8.95% | 9.42% | 9.16% | 9.67% | 9.42% | 9.33% | 9.25% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.35% | 75.06% | 78.20% | 79.30% | 83.44% | 88.52% | 91.10% | 90.87% | +1,156 bps | |
| Liquid Assets / Assets | 9.15% | 12.97% | 8.78% | 9.58% | 6.41% | 6.59% | 5.16% | 5.89% | -369 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 372% | 383% | n/a | n/a | |