Bank Safety Analysis
Is Beacon Bank & Trust Safe? Boston, Massachusetts
Based on its Q3 2026 call report, Beacon Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 7.80%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Beacon Bank & Trust safe?
On its Q3 2026 call report, Beacon Bank & Trust's CET1 ratio is 12.03%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 12.03%
- Tier 1 leverage ratio (Q3 2026): 9.98%
- Texas ratio (Q3 2026): 7.80%
- Noncurrent loans ratio (Q3 2026): 1.07%
Beacon Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #17798). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Beacon Bank & Trust (FDIC Certificate #17798) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Beacon Bank & Trust passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) rose 0.17 percentage points from Q2 2026 to Q3 2026, ending at 1.07% against 0.90%. It was the largest change among the key lines on this page. Beacon Bank & Trust ranks 47th of 55 Massachusetts banks on CET1 ratio, in the lower half at 12.03% (Q3 2026). Beacon Bank & Trust reported 12.03% on CET1 ratio for Q3 2026, 0.86 points below the 12.88% median for banks in the $10B-100B asset tier.
From Q4 2023 to Q3 2026, Beacon Bank & Trust's CET1 ratio ranged between 10.35% (Q2 2024) and 12.03% (Q3 2026) and its Texas ratio ranged between 5.27% (Q3 2025) and 10.52% (Q2 2025). Between Q3 2025 and Q3 2026, Beacon Bank & Trust's CET1 ratio rose from 10.55% to 12.03%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.67% to 1.07%, Texas ratio rose from 5.27% to 7.80% and return on assets rose from -0.71% to 1.19%.
Beacon Bank & Trust ranks as the 4th largest of the 89 banks based in Massachusetts, by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $5.16B of $17.65B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Beacon Bank & Trust's CET1 ratio of 12.03% is below the 12.88% median, Tier 1 leverage ratio of 9.98% is below the 10.21% median, nonperforming loans ratio of 1.07% is above the 0.67% median, Texas ratio of 7.80% is above the 4.26% median, and efficiency ratio of 53.86% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Beacon Bank & Trust's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Beacon Bank & Trust score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Beacon Bank & Trust trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 12.03% | Within range |
| Texas ratio BankRegReports band | 7.80% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.07% | Within range |
| Uninsured deposit share BankRegReports band | 37.81% | Within range |
| Loan-to-deposit ratio BankRegReports band | 95.70% | Within range |
| Commercial real estate to capital supervisory threshold | 325.04% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 12.03% |
| Q2 2026 | 11.77% |
| Q1 2026 | 11.47% |
| Q4 2025 | 11.22% |
| Q3 2025 | 10.55% |
| Q2 2025 | 11.04% |
| Q1 2025 | 10.88% |
| Q4 2024 | 10.47% |
| Q3 2024 | 10.44% |
| Q2 2024 | 10.35% |
| Q1 2024 | 10.39% |
| Q4 2023 | 10.39% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 7.80% |
| Q2 2026 | 6.52% |
| Q1 2026 | 6.32% |
| Q4 2025 | 6.71% |
| Q3 2025 | 5.27% |
| Q2 2025 | 10.52% |
| Q1 2025 | 8.62% |
| Q4 2024 | 7.20% |
| Q3 2024 | 9.82% |
| Q2 2024 | 7.22% |
| Q1 2024 | 5.41% |
| Q4 2023 | 5.63% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $5.16B
- Commercial and industrial loans: $3.77B
- 1-4 family residential loans: $3.76B
- Multifamily loans: $2.18B
- Owner-occupied commercial real estate loans: $1.70B
- Construction and land development loans: $453.6M
- Loans to states and political subdivisions: $334.8M
- Leases: $137.9M
How have Beacon Bank & Trust's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $21.83B | 12.03% | 9.98% | 1.07% | 7.80% | 53.86% |
| Jun 30, 2026 | $22.20B | 11.77% | 9.83% | 0.90% | 6.52% | 52.02% |
| Mar 31, 2026 | $22.18B | 11.47% | 9.64% | 0.86% | 6.32% | 59.37% |
| Dec 31, 2025 | $23.18B | 11.22% | 9.39% | 0.84% | 6.71% | 56.47% |
| Sep 30, 2025 | $22.78B | 10.55% | 12.96% | 0.67% | 5.27% | 76.41% |
| Jun 30, 2025 | $6.16B | 11.04% | 9.57% | 1.28% | 10.52% | 56.57% |
| Mar 31, 2025 | $6.23B | 10.88% | 9.40% | 1.02% | 8.62% | 60.18% |
| Dec 31, 2024 | $6.41B | 10.47% | 9.30% | 0.82% | 7.20% | 61.63% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Beacon Bank & Trust FDIC insured?
Yes. Beacon Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #17798). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Beacon Bank & Trust well capitalized?
On its Q3 2026 call report, Beacon Bank & Trust's CET1 ratio is 12.03%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Beacon Bank & Trust's key safety ratios?
For Q3 2026, Beacon Bank & Trust reports CET1 12.03%, leverage 9.98%, Texas ratio 7.80%, noncurrent loans 1.07%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Beacon Bank & Trust fails?
For Q3 2026, Beacon Bank & Trust reported $18.45B in total deposits, 37.81% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Beacon Bank & Trust profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Beacon Bank & Trust is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 17798) · FFIEC NIC profile (RSSD 782306)
Explore: Full Beacon Bank & Trust profile · Other banks in MA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.