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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.50% | -0.14% | 0.15% | 0.33% | 0.15% | -0.34% | 0.14% | -1 bps | |
| Return on Equity | 6.20% | 5.37% | -1.56% | 1.67% | 3.51% | 1.56% | -3.67% | 1.51% | -17 bps | |
| Net Interest Margin | 3.56% | 3.47% | 3.38% | 3.60% | 3.54% | 3.56% | 3.70% | 3.70% | +11 bps | |
| Efficiency Ratio | 74.74% | 74.07% | 81.19% | 76.26% | 72.23% | 73.70% | 74.81% | 76.07% | -18 bps | |
| Non-Interest Burden | 2.51% | 2.45% | 2.71% | 2.68% | 2.45% | 2.53% | 2.67% | 2.75% | +7 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 | 0.81% | 1.00% | 1.61% | 1.09% | 0.96% | 0.87% | 0.94% | 0.73% | -36 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 | |