Beacon Bank & Trust: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
Beacon Bank & Trust reported all 9 line items on this page on its Q3 2026 filing. Unused home equity and credit card lines was $1.22B in Q3 2026, up 5.5% from $1.16B in Q3 2025. That is 5.6% of its total assets. Across the 12 quarters shown it ranged from $537.7M (Q4 2024) to $1.22B (Q2 2026).
The standout move of Q3 2026 was in Foreign exchange derivatives, notional: 284.2% higher than in Q2 2026, at $27.6M.
Commitments
Letters of credit moved most in this table, down 6.9%: $5.9M in Q2 2026, $5.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $1.22B |
| Letters of credit | $5.4M |
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Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $7.03B |
| Interest rate swaps, notional | $6.95B |
| Foreign exchange derivatives, notional | $27.6M |
| Derivatives notional to total assets | 32.18% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
Largest change in this table: trading account assets, up 61.0% to $156.6M in Q3 2026 after $97.3M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $156.6M |
| Trading liabilities | $177.4M |
| Trading assets to total assets | 0.72% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $538.7M | $682K | 58.20% |
| Q1 2024 | $538.7M | $682K | 56.74% |
| Q2 2024 | $544.1M | $682K | 55.90% |
| Q3 2024 | $542.2M | $682K | 56.10% |
| Q4 2024 | $537.7M | $682K | 55.03% |
| Q1 2025 | $543.5M | $633K | 50.14% |
| Q2 2025 | $549.1M | $633K | 49.29% |
| Q3 2025 | $1.16B | $11.0M | 32.09% |
| Q4 2025 | $1.18B | $10.4M | 31.12% |
| Q1 2026 | $1.19B | $9.9M | 32.31% |
| Q2 2026 | $1.22B | $5.9M | 32.82% |
| Q3 2026 | $1.22B | $5.4M | 32.18% |
Beacon Bank & Trust off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and 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)