Beacon Bank & Trust: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Beacon Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $17.65B in Q3 2026, down 3.7% from $18.33B in Q3 2025. That is 80.8% of its total assets. Across the 12 quarters shown it ranged from $5.42B (Q2 2025) to $18.33B (Q3 2025).
CRE concentration (Tier 1 capital + allowance) dropped 4.92 percentage points in Q3 2026, from 329.96% to 325.04%. It was the largest change from Q2 2026 among the key lines here. Beacon Bank & Trust ranks 43rd of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.70% (Q3 2026). Beacon Bank & Trust reported 95.70% on loan-to-deposit ratio for Q3 2026, 9.73 points above the 85.97% median for banks in the $10B-100B asset tier.
Loan totals
Loans to total assets moved most in this table, up 0.58 points: 80.27% in Q2 2026, 80.85% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $17.65B |
| Net loans and leases | $17.42B |
| Loans held for sale | $0 |
| Loans to total assets | 80.85% |
| Loan-to-deposit ratio | 95.70% |
| Net loans to equity capital | 6.93× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial and industrial moved most in this table, up 0.67 points: 20.71% in Q2 2026, 21.38% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.84% |
| Multifamily (5+ residential) | 12.36% |
| Commercial and industrial | 21.38% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.90% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 325.04% |
| Construction concentration (Tier 1 capital + allowance) | 18.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Largest change in this table: yield on loans, up 0.14 points to 6.13% in Q3 2026 after 5.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.13% |
| Interest income on loans | $268.0M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $5.54B | $4.46B | 38.86% | 25.14% | 0.88% |
| Q1 2024 | $5.56B | $4.57B | 38.11% | 25.01% | 0.85% |
| Q2 2024 | $5.60B | $4.56B | 38.33% | 24.95% | 0.87% |
| Q3 2024 | $5.57B | $4.58B | 38.28% | 24.52% | 1.00% |
| Q4 2024 | $5.57B | $4.71B | 37.63% | 24.55% | 1.12% |
| Q1 2025 | $5.44B | $4.74B | 37.09% | 25.37% | 1.07% |
| Q2 2025 | $5.42B | $4.64B | 36.83% | 25.70% | 1.15% |
| Q3 2025 | $18.33B | $19.09B | 38.66% | 19.64% | 0.82% |
| Q4 2025 | $18.03B | $19.71B | 39.03% | 20.09% | 0.78% |
| Q1 2026 | $17.92B | $18.44B | 38.78% | 20.60% | 0.73% |
| Q2 2026 | $17.82B | $18.65B | 39.15% | 20.71% | 0.78% |
| Q3 2026 | $17.65B | $18.45B | 38.84% | 21.38% | 0.69% |
Beacon Bank & Trust loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)