Beacon Business Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Beacon Business Bank, N.A. is an FDIC-insured commercial bank headquartered in San Francisco, CA, established in 1984 (FDIC certificate 25644), and it is supervised by the OCC. At Q2 2026 it reported total assets of $164.4M, down 6.8% from Q2 2025, the 103rd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 25644
- Headquarters
- San Francisco, CA
- Established
- 1984
- Total assets, Q2 2026
- $164.4M
- Assets vs Q2 2025
- -6.8%
- Tier 1 leverage ratio, Q2 2026
- 11.63%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 121040651
- Latest call report
- Q2 2026, FFIEC 051 · Beacon Business Bank, N.A. call report
- Holding company
- TRANS PACIFIC BANCORP
- Asset rank in state
- 103rd of 113 in California
Beacon Business Bank, N.A. spends more to run itself than most banks of its size. The San Francisco, California bank had $164 million in assets at June 30, 2026, down 6.8% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 1.6% and deposits fell 4.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.6 million equal 13% of Tier 1 capital, down from 19% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Beacon Business Bank, N.A. reported a return on assets of 0.44%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Beacon Business Bank, N.A. is the 103rd largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $164.4M, loans rose 0.8% and deposits rose 4.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 38.8% of total loans, followed by multifamily loans at 22.6%. Its 2 offices in the FDIC Summary of Deposits are in San Francisco, CA and San Mateo, CA; its San Francisco office books 68% of its branch deposits. On its Q2 2026 call report, Beacon Business Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 425 California St, San Francisco, CA 94104
- County
- San Francisco
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 21, 1984
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $134.2M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $170.2M
- Average total loans
- $116.3M
- Average interest-bearing deposits
- $93.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1984
- FDIC Cert
- 25644
- Fed RSSD
- 403067
- SEC CIK
- 729661 → filed by TRANS PACIFIC BANCORP
- Website
- Beaconbusinessbank.com →
- Parent Holding Company
- TRANS PACIFIC BANCORP (RSSD 1031515)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Beacon Business Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Beacon Business Bank, N.A.'s total assets moved between a low of $164.4M (Q2 2026) and a high of $183.8M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$164.4M total assets against $176.4M; $147.2M total liabilities against $160.7M.
$114.9M net loans and leases against $116.7M; $134.2M total deposits against $140.8M.
$33.7M securities against $41.8M; $6.8M cash and balances due against $8.8M.
$2.0M total interest income against $2.0M; $672K total interest expense against $618K.
$1.3M net interest income against $1.4M.
$328K total noninterest income against $134K; $1.4M total noninterest expense against $1.5M.
$28K provision for credit losses against -$26K.
$187K net income against $25K.
0.44% return on assets against 0.06%; 3.24% net interest margin against 3.29%.
11.63% tier 1 leverage ratio against 11.00%.
Inside the full Beacon Business Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Beacon Business Bank, N.A. rankings
Its closest position to the top of a national ranking is 3,191 of 4,196, for total assets; its furthest is 3,560 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.47% (Q1 2025) to 0.99% (Q4 2025) and its net interest margin ran from 2.51% (Q3 2024) to 3.59% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 0.44% | 0.00% | 0.00% | 3.24% |
| Q1 2026 | 11.84% | 0.11% | 0.00% | 0.00% | 3.33% |
| Q4 2025 | 11.26% | 0.99% | 0.00% | 0.00% | 3.59% |
| Q3 2025 | 10.87% | 0.30% | 0.00% | 0.00% | 3.56% |
| Q2 2025 | 11.00% | 0.06% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 11.26% | -0.47% | 0.00% | 0.00% | 2.94% |
| Q4 2024 | 11.01% | -0.17% | 0.00% | 0.00% | 2.72% |
| Q3 2024 | 10.86% | 0.04% | 0.00% | 0.00% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Beacon Business Bank, N.A. (main office) | San Francisco , CA | 94104 | $90.7M |
| San Mateo Branch | San Mateo , CA | 94402 | $43.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- December 31, 2018, OCC: Formal Agreement: Beacon Business Bank, National Association
- June 16, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Trans Pacific National Bank
- December 17, 1992, OCC: Formal Agreement: Trans Pacific National Bank
- Period: Most recent institution action December 31, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 145 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $550K approved, $550K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Beacon Business Bank, N.A.
What are Beacon Business Bank, N.A.'s total assets?
As of the Q2 2026 filing, Beacon Business Bank, N.A. reported total assets of $164.4 million in its FFIEC call report.
Where is Beacon Business Bank, N.A. headquartered?
It is headquartered in San Francisco, CA, United States.
When was Beacon Business Bank, N.A. founded?
It was established in 1984, per the FDIC institution directory.
Is Beacon Business Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beacon Business Bank, N.A.?
Beacon Business Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Beacon Business Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beacon Business Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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