Beacon Bank & Trust: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Beacon Bank & Trust reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.03% in Q3 2026, up 1.47 percentage points from 10.55% in Q3 2025. Across the 12 quarters shown it ranged from 10.35% (Q2 2024) to 12.03% (Q3 2026).
Compared with Q2 2026, Retained earnings rose 2.6% in Q3 2026 to $682.1M, the biggest move on this page. Beacon Bank & Trust ranks 47th of 55 Massachusetts banks on CET1 ratio, in the lower half at 12.03% (Q3 2026). The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. Beacon Bank & Trust sits 0.86 points lower, at 12.03% (Q3 2026).
Risk-based capital ratios
Total risk-based capital ratio moved most in this table, up 0.28 points: 12.86% in Q2 2026, 13.14% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.03% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 13.14% |
| Tier 1 leverage ratio | 9.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Common equity Tier 1 capital moved most in this table, up 1.7%: $2.13B in Q2 2026, $2.16B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $2.16B |
| Tier 1 capital | $2.16B |
| Total risk-based capital | $2.36B |
| Total equity capital | $2.51B |
| Risk-weighted assets | $18.00B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets changed the most here, down 0.13 points to 11.36% in Q3 2026 from 11.49% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 11.36% |
| Internal capital growth rate | 4.42% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $3.3M |
| Common stock surplus | $1.92B |
| Retained earnings | $682.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$91.5M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 10.39% | 10.39% | 11.64% | 9.46% | $5.59B |
| Q1 2024 | 10.39% | 10.39% | 11.64% | 9.33% | $5.57B |
| Q2 2024 | 10.35% | 10.35% | 11.60% | 9.24% | $5.56B |
| Q3 2024 | 10.44% | 10.44% | 11.70% | 9.31% | $5.56B |
| Q4 2024 | 10.47% | 10.47% | 11.73% | 9.30% | $5.58B |
| Q1 2025 | 10.88% | 10.88% | 12.13% | 9.40% | $5.39B |
| Q2 2025 | 11.04% | 11.04% | 12.30% | 9.57% | $5.32B |
| Q3 2025 | 10.55% | 10.55% | 11.66% | 12.96% | $18.58B |
| Q4 2025 | 11.22% | 11.22% | 12.36% | 9.39% | $18.45B |
| Q1 2026 | 11.47% | 11.47% | 12.58% | 9.64% | $18.22B |
| Q2 2026 | 11.77% | 11.77% | 12.86% | 9.83% | $18.08B |
| Q3 2026 | 12.03% | 12.03% | 13.14% | 9.98% | $18.00B |
Beacon Bank & Trust capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Beacon Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17798) · FFIEC NIC profile (RSSD 782306)