Beacon Bank & Trust: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Beacon Bank & Trust reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.03% in Q3 2026, up 1.47 percentage points from 10.55% in Q3 2025. Across the 12 quarters shown it ranged from 10.35% (Q2 2024) to 12.03% (Q3 2026).
Reserve coverage of nonperforming loans dropped 24.69 percentage points in Q3 2026, from 148.46% to 123.77%. It was the largest change from Q2 2026 among the key lines here. Within Massachusetts, Beacon Bank & Trust is 12th of 89 on return on assets, 1.19% as of Q3 2026. Beacon Bank & Trust reported 1.19% on return on assets for Q3 2026, 0.07 points below the 1.25% median for banks in the $10B-100B asset tier.
Capital adequacy
Total risk-based capital ratio moved most in this table, up 0.28 points: 12.86% in Q2 2026, 13.14% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.03% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 13.14% |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 9.49% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 1.07% |
| Nonperforming assets ratio | 0.86% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 7.80% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of nonperforming loans | 123.77% |
Earnings
Net interest margin changed the most here, up 0.11 points to 3.95% in Q3 2026 from 3.84% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 10.38% |
| Net interest margin | 3.95% |
| Efficiency ratio | 53.86% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.02% |
Liquidity and funding
Securities to assets changed the most here, up 1.03 points to 8.96% in Q3 2026 from 7.93% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 95.70% |
| Core deposits to total deposits | 90.47% |
| Brokered deposits to total deposits | 2.03% |
| Deposits to assets | 84.48% |
| Securities to assets | 8.96% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.39% | 10.39% | 11.64% | 9.46% | 0.83% |
| Q1 2024 | 10.39% | 10.39% | 11.64% | 9.33% | 0.58% |
| Q2 2024 | 10.35% | 10.35% | 11.60% | 9.24% | 0.38% |
| Q3 2024 | 10.44% | 10.44% | 11.70% | 9.31% | 0.68% |
| Q4 2024 | 10.47% | 10.47% | 11.73% | 9.30% | 0.85% |
| Q1 2025 | 10.88% | 10.88% | 12.13% | 9.40% | 0.73% |
| Q2 2025 | 11.04% | 11.04% | 12.30% | 9.57% | 0.74% |
| Q3 2025 | 10.55% | 10.55% | 11.66% | 12.96% | -0.71% |
| Q4 2025 | 11.22% | 11.22% | 12.36% | 9.39% | 1.91% |
| Q1 2026 | 11.47% | 11.47% | 12.58% | 9.64% | 0.92% |
| Q2 2026 | 11.77% | 11.77% | 12.86% | 9.83% | 1.22% |
| Q3 2026 | 12.03% | 12.03% | 13.14% | 9.98% | 1.19% |
Beacon Bank & Trust vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)