Beacon Bank & Trust: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Beacon Bank & Trust reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $144.6M in Q3 2026, up 1163.7% from $11.4M in Q3 2025. That is 0.7% of its total assets. Across the 12 quarters shown it ranged from $0 (Q1 2025) to $144.6M (Q3 2026).
Modified loans and leases climbed 164.5% in Q3 2026, from $54.7M to $144.6M. It was the largest change from Q2 2026 among the key lines here.
Modified loans
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $144.6M |
| Modified loans to total loans | 0.82% |
| Nonperforming assets excluding restructured loans, to assets | 0.86% |
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Read against the nonperforming book
Nonperforming loans to total loans moved most in this table, up 0.17 points: 0.90% in Q2 2026, 1.07% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 1.07% |
| Nonaccrual loans to loans | 0.91% |
| Loans 90+ days past due to loans | 0.16% |
| Net charge-off ratio | 0.31% |
| Allowance for credit losses to loans | 1.32% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.47% | 0.63% | 0.46% |
| Q1 2024 | 0.00% | 0.60% | 0.33% |
| Q2 2024 | 0.03% | 0.80% | 0.58% |
| Q3 2024 | 0.18% | 1.13% | 0.27% |
| Q4 2024 | 0.18% | 0.82% | 0.53% |
| Q1 2025 | 0.00% | 1.02% | 0.06% |
| Q2 2025 | 0.07% | 1.28% | 0.23% |
| Q3 2025 | 0.06% | 0.67% | 0.80% |
| Q4 2025 | 0.23% | 0.84% | 0.20% |
| Q1 2026 | 0.04% | 0.86% | 0.30% |
| Q2 2026 | 0.31% | 0.90% | 0.32% |
| Q3 2026 | 0.82% | 1.07% | 0.31% |
Beacon Bank & Trust loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)