BENEFICIAL STATE BANK

OAKLAND, CA | Large | Est. June 27, 2007, midnight | FDIC #58490 | RSSD #3608751 | FDIC
Latest Report: 2025-12-31

BENEFICIAL STATE BANK is aln large FDIC-insured commercial bank headquartered in OAKLAND, CA, established in June 27, 2007, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.7B. Profitability stands at -0.39% ROA and -4.07% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 9.42%. Asset quality metrics show a non-performing loan ratio of 2.15% and a Texas Ratio of 14.99%. FDIC Certificate #58490.

Assets

$2.0B

Deposits

$1.7B

Loans

$1.5B

Equity

$187M

Profitability

Return on Assets (ROA) -0.39%
Return on Equity (ROE) -4.07%
Net Interest Margin (NIM) 4.15%
Yield on Assets 5.79%
Cost of Funds 2.68%

Asset Quality

NPL Ratio 2.15%
Net Charge-Off Ratio 0.87%
Texas Ratio 14.99%
NPA Ratio 1.60%
ACL / Loans 1.72%

Capital & Liquidity

CET1 Ratio 9.42%
Tier 1 Capital 9.42%
Total Capital Ratio 9.89%
Leverage Ratio 11.45%
Loan-to-Deposit 88.52%

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