BanksBEACON BANK & TRUST

BEACON BANK & TRUST

BOSTON, MARegionalEst. Jan. 1, 1871, midnightFDIC #17798RSSD #782306FED
Latest · 2025-12-31

BEACON BANK & TRUST is an 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%. CET1 capital ratio: 11.22%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 4.13%. Operates 28 domestic branches.

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 Margin3.78%
Yield on Assets5.84%
Cost of Funds2.17%

Asset Quality

NPL Ratio0.63%
Net Charge-Off Ratio0.21%
Texas Ratio4.13%
NPA Ratio0.49%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio11.22%
Tier 1 Capital11.22%
Total Capital Ratio12.36%
Leverage Ratio9.39%
Loan-to-Deposit91.47%

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