Beacon Bank & Trust: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Beacon Bank & Trust of Boston, MA against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.19% | 1.31% | -0.12% | 39th worse half |
| ROAE | 10.38% | 11.12% | -0.74% | 41st worse half |
| Net Interest Margin | 3.95% | 3.67% | +0.28% | 72nd better half |
| Efficiency Ratio | 53.86% | 53.24% | +0.62% | 53rd worse half |
| PPNR / Avg Assets | 1.74% | 1.88% | -0.14% | 37th worse half |
| Yield on Earning Assets | 5.82% | 5.46% | +0.36% | 76th |
| Cost of Funds | 2.02% | 1.98% | +0.04% | 56th worse half |
| Net Interest Spread | 3.24% | 2.98% | +0.26% | 70th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.67% | +0.40% | 76th worst quarter |
| NPA / Total Assets | 0.86% | 0.49% | +0.37% | 79th worst quarter |
| NCO / Avg Loans | 0.31% | 0.14% | +0.17% | 80th worst quarter |
| ACL / Total Loans | 1.32% | 1.12% | +0.20% | 74th |
| ACL / NPLs (Coverage) | 123.77% | 181.80% | -58.03% | 29th worse half |
| Texas Ratio | 7.80% | 4.26% | +3.54% | 84th worst quarter |
| Provision / NCO | 66.28% | 113.11% | -46.83% | 25th |
| CRE / Total Capital | 325.04% | 217.03% | +108.01% | 91st worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.03% | 12.93% | -0.90% | 21st worst quarter |
| Tier 1 Ratio | 12.03% | 13.04% | -1.01% | 20th worst quarter |
| Total Capital Ratio | 13.14% | 14.24% | -1.10% | 22nd worst quarter |
| Leverage Ratio | 9.98% | 10.21% | -0.23% | 46th worse half |
| Equity / Assets | 11.51% | 11.26% | +0.25% | 56th better half |
| TCE / Tangible Assets | 9.49% | 9.38% | +0.11% | 53rd better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 95.70% | 86.53% | +9.17% | 85th |
| Core Deposit Ratio | 90.47% | 91.81% | -1.34% | 45th worse half |
| Uninsured Deposit Ratio | 37.81% | 39.38% | -1.57% | 44th better half |
| Borrowings / Total Assets | 2.17% | 3.64% | -1.47% | 34th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.15% | 5.37% | -9.52% | 7th |
| Loan Growth (Y/Y) | -3.67% | 6.53% | -10.20% | 7th |
| Deposit Growth (Y/Y) | -3.37% | 4.86% | -8.23% | 8th |
See Beacon Bank & Trust's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Beacon Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Beacon Bank & Trust peer analysis.