Beacon Bank & Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Beacon Bank & Trust leans heavily on commercial real estate. Its balance sheet stood at $22.2 billion at June 30, 2026, against $6.2 billion a year earlier; it is based in Boston, Massachusetts. It holds commercial real estate loans worth 3.3 times its capital, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). It also grew its loan book 229.1% over the year, 36.3 times the median of 6.3% for banks its size.
Delinquency has appeared in its $5.2 billion non-owner-occupied commercial real estate book: 1.82% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.84% of loans, down from 1.27% a year earlier. Where it has less room is capital: it holds common equity equal to 11.77% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, Beacon Bank & Trust reported a CET1 capital ratio of 11.77%, a return on assets of 1.22%, a nonperforming-loan ratio of 1.16% and a Texas ratio of 6.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 131 Clarendon St, Boston, MA 02116
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1871
- Former names
- Beacon Bank and Trust (2025); Brookline Bank (2003-2025); Brookline Savings Bank (1975-2003)
- Offices
- 151 domestic
- Employees (FTE)
- 1,970
- Domestic deposits
- $18.65B
- Allowance for credit losses
- $238.2M
- Net charge-offs (YTD)
- $27.8M
- Average total assets
- $22.10B
- Average total loans
- $17.68B
- Average interest-bearing deposits
- $14.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 3, 1957
- FDIC Cert
- 17798
- Fed RSSD
- 782306
- SEC CIK
- 1108134 → filed by BEACON FINANCIAL CORPORATION
- Website
- www.beaconbank.com →
- Parent Holding Company
- BEACON FINANCIAL CORPORATION (RSSD 2333663) · BBT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Paul A Perrault | CEO | President and CEO |
| Carl M Carlson | CFO | CFO & Chief Strategy Officer |
| Sean Gray | COO | Chief Operations Officer |
| Mark J. Meiklejohn | CCO | Chief Credit Officer |
| Eagan John Buckley | GC | General Counsel |
| Gregory D Lindenmuth | CRO | EVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Beacon Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Beacon Bank & Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Beacon Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.77% | 1.22% | 1.16% | 6.52% | 3.84% |
| Q1 2026 | 11.47% | 0.92% | 0.87% | 6.32% | 3.78% |
| Q4 2025 | 11.22% | 1.91% | 0.87% | 6.71% | 3.86% |
| Q3 2025 | 10.55% | -0.71% | 0.60% | 5.27% | 5.75% |
| Q2 2025 | 11.04% | 0.74% | 1.08% | 10.52% | 3.38% |
| Q1 2025 | 10.88% | 0.73% | 0.97% | 8.62% | 3.24% |
| Q4 2024 | 10.47% | 0.85% | 1.00% | 7.20% | 3.21% |
| Q3 2024 | 10.44% | 0.68% | 1.10% | 9.82% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 150 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Beacon Bank and Trust | Boston , MA | 02116 | $3.71B |
| Bank Rhode Island Branch | Providence , RI | 02903 | $432.8M |
| Collidge Corner Branch | Brookline , MA | 02446 | $420.4M |
| Pittsfield Branch | Pittsfield , MA | 01201 | $311.6M |
| Newton Centre Branch | Newton , MA | 02459 | $277.1M |
| Commerce Br | Worcester , MA | 01608 | $270.3M |
| Pcsb Branch | Brewster , NY | 10509 | $261.8M |
| Medford Square Branch | Medford , MA | 02155 | $240.7M |
| East Providence Branch | East Providence , RI | 02914 | $238.9M |
| Black River Boulevard Branch | Rome , NY | 13440 | $218.3M |
| Brookline Village Branch | Brookline , MA | 02445 | $218.2M |
| Park Avenue Branch | Cranston , RI | 02910 | $206.8M |
| Jefferson Valley Branch | Jefferson Valley , NY | 10535 | $199.1M |
| Somers Branch | Somers , NY | 10589 | $195.6M |
| Mahopac Branch | Mahopac , NY | 10541 | $192.1M |
| Washington Square Branch | Brookline , MA | 02445 | $188.3M |
| West Roxbury Branch | West Roxbury , MA | 02132 | $186.5M |
| South Brookline Branch | Chestnut Hill , MA | 02467 | $168.5M |
| Westfield Court Street Branch | Westfield , MA | 01085 | $163.0M |
| Pawling Branch | Pawling , NY | 12564 | $161.6M |
| Elm Street Branch | Pittsfield , MA | 01201 | $159.4M |
| Pittsfield-Allendale Branch | Pittsfield , MA | 01201 | $156.2M |
| 265 Jefferson Blvd Branch | Warwick , RI | 02888 | $144.5M |
| Waltham Branch | Waltham , MA | 02452 | $143.7M |
| Wakefield Branch | Wakefield , RI | 02879 | $143.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2025 | Structure Change | Acquired PCSB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2020 | Structure Change | Acquired First Ipswich Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2018 | Structure Change | Acquired First Commons Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 2005 | Structure Change | Acquired Medford Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2001 | Structure Change | Acquired Lighthouse Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 1991 | Structure Change | Acquired Coolidge Corner Co-Operative Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 14, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Beacon Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- August 7, 2009, OCC (former OTS): Termination of Cease and Desist: Brookline Bank and its subsidiaries, including Eastern Funding LLC
- February 20, 2009, OCC (former OTS): Cease and Desist: Brookline Bank
- Period: Most recent institution action August 7, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in MA, rank 8 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,281 applications, 797 loans originated, $416.5M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 243 loans, $250.3M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 39 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Beacon Bank & Trust
What are Beacon Bank & Trust's total assets?
As of the Q2 2026 filing, Beacon Bank & Trust reported total assets of $22.20 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Beacon Bank & Trust headquartered?
Beacon Bank & Trust is headquartered in Boston, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Beacon Bank & Trust founded?
Beacon Bank & Trust was established in 1871, per the FDIC institution directory.
Is Beacon Bank & Trust FDIC-insured?
Yes. Beacon Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #17798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beacon Bank & Trust?
Beacon Bank & Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Beacon Bank & Trust's CET1 capital ratio?
Beacon Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 11.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does Beacon Bank & Trust operate?
Beacon Bank & Trust operates 151 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beacon Bank & Trust's Texas Ratio?
Beacon Bank & Trust's Texas Ratio is 6.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Beacon Bank & Trust previously called?
The charter now named Beacon Bank & Trust has also operated as Beacon Bank and Trust (2025), Brookline Bank (2003-2025), Brookline Savings Bank (1975-2003), per FDIC structure-change records.
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