BEACON BANK & TRUST

BOSTON, MA | Regional | Est. Jan. 1, 1871, midnight | FDIC #17798 | RSSD #782306 | FED
Latest Report: 2025-12-31

BEACON BANK & TRUST is arn regional FDIC-insured commercial bank headquartered in BOSTON, MA, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $23.2B and total deposits of $19.7B. Profitability stands at 1.87% ROA and 17.47% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 11.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 4.13%. FDIC Certificate #17798.

Assets

$23.2B

Deposits

$19.7B

Loans

$18.0B

Equity

$2.5B

Profitability

Return on Assets (ROA) 1.87%
Return on Equity (ROE) 17.47%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.84%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.21%
Texas Ratio 4.13%
NPA Ratio 0.49%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 11.22%
Tier 1 Capital 11.22%
Total Capital Ratio 12.36%
Leverage Ratio 9.39%
Loan-to-Deposit 91.47%

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