Beacon Bank & Trust: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Beacon Bank & Trust reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $18.45B in Q3 2026, down 3.4% from $19.09B in Q3 2025. That is 84.5% of its total assets. Across the 12 quarters shown it ranged from $4.46B (Q4 2023) to $19.71B (Q4 2025).
Brokered deposits climbed 62.0% in Q3 2026, from $231.4M to $374.7M. It was the largest change from Q2 2026 among the key lines here. Among 89 Massachusetts banks, Beacon Bank & Trust sits 4th from the top on total deposits, $18.45B as of Q3 2026. At $18.45B, Beacon Bank & Trust's total deposits is close to the $18.20B median for banks in the $10B-100B asset tier (Q3 2026).
Deposit totals
Deposits to total liabilities changed the most here, up 0.63 points to 95.47% in Q3 2026 from 94.84% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $18.45B |
| Domestic office deposits | $18.45B |
| Foreign office deposits | — |
| Deposits to total assets | 84.48% |
| Deposits to total liabilities | 95.47% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Largest change in this table: time deposits to total deposits, up 1.02 points to 24.06% in Q3 2026 after 23.04% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $4.14B |
| Savings deposits | $3.05B |
| Transaction accounts to domestic deposits | 30.97% |
| Time deposits to total deposits | 24.06% |
| Time deposits under $100k | $1.27B |
| Time deposits $100k to $250k | $1.78B |
| Time deposits over $250k | $1.38B |
| Noninterest-bearing share of deposits | 22.53% |
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $16.69B |
| Core deposits to total deposits | 90.47% |
| Insured deposits | $11.45B |
| Uninsured deposits | $6.98B |
| Uninsured deposits to total deposits | 37.81% |
| Brokered deposits | $374.7M |
| Brokered deposits to total deposits | 2.03% |
Cost of deposits
Loans and leases to core deposits moved most in this table, up 0.25 points: 103.20% in Q2 2026, 103.45% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.54% |
| Interest expense on deposits | $91.6M |
| Loans and leases to core deposits | 103.45% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $4.46B | 81.94% | 30.05% | 10.81% | 3.43% |
| Q1 2024 | $4.57B | 80.27% | 29.38% | 11.90% | 3.47% |
| Q2 2024 | $4.56B | 81.09% | 30.26% | 11.22% | 3.54% |
| Q3 2024 | $4.58B | 81.17% | 30.89% | 10.26% | 3.56% |
| Q4 2024 | $4.71B | 80.35% | 30.86% | 10.79% | 3.37% |
| Q1 2025 | $4.74B | 81.62% | 32.00% | 9.66% | 3.09% |
| Q2 2025 | $4.64B | 81.80% | 31.07% | 9.56% | 3.03% |
| Q3 2025 | $19.09B | 88.01% | 36.88% | 4.75% | 5.11% |
| Q4 2025 | $19.71B | 90.79% | 36.12% | 2.06% | 2.69% |
| Q1 2026 | $18.44B | 91.71% | 38.45% | 0.70% | 2.49% |
| Q2 2026 | $18.65B | 91.37% | 38.34% | 1.24% | 2.46% |
| Q3 2026 | $18.45B | 90.47% | 37.81% | 2.03% | 2.54% |
Beacon Bank & Trust deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)