Beneficial State Bank
BankRegReports is independent of Beneficial State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Beneficial State Bank is an FDIC-insured commercial bank headquartered in Oakland, CA, established in 2007 (FDIC certificate 58490), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.03B, up 3.9% from Q2 2025, the 40th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58490
- Headquarters
- Oakland, CA
- Established
- 2007
- Total assets, Q2 2026
- $2.03B
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 11.22%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 121182056
- Latest call report
- Q2 2026, FFIEC 051 · Beneficial State Bank call report
- Holding company
- BENEFICIAL STATE BANCORP, INC.
- Asset rank in state
- 40th of 113 in California
Problem loans are rising at Beneficial State Bank. Based in Oakland, California, it had $2.0 billion in assets at June 30, 2026, up 3.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.44% of loans from 1.48% a year earlier. It spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 17.5% of the capital and reserves that would absorb them, 4.9 times the median of 3.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.7% and deposits rose 1.0%. The multifamily book ($516 million) is worsening: 7.53% of it is past due or on nonaccrual, up from 2.44% a year earlier. Profitability lags: it earns about $0.60 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, Beneficial State Bank reported a return on assets of 0.60%, a nonperforming-loan ratio of 2.53% and a Texas ratio of 17.52%. The figures come from its call report filed with the FFIEC.
Beneficial State Bank ranks as the 40th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $2.03B, loans rose 2.5% and deposits rose 2.7%. Its loan book on June 30, 2026 was led by multifamily loans, at 33.4% of total loans, followed by auto loans at 27.5%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities across 3 states; its Oakland office books 49% of its branch deposits. On its Q2 2026 call report, Beneficial State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2100 Franklin St, Oakland, CA 94612
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 27, 2007
- Former names
- One PacificCoast Bank, FSB (2010-2014)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 270
- Domestic deposits
- $1.70B
- Allowance for credit losses
- $27.2M
- Net charge-offs (YTD)
- $5.6M
- Average total assets
- $2.06B
- Average total loans
- $1.52B
- Average interest-bearing deposits
- $1.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 27, 2007
- FDIC Cert
- 58490
- Fed RSSD
- 3608751
- Website
- www.beneficialstatebank.com →
- Parent Holding Company
- BENEFICIAL STATE BANCORP, INC. (RSSD 3842630)
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, Beneficial State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Beneficial State Bank's total assets ran between $1.79B (Q3 2023) and $2.03B (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.03B total assets against $1.95B; $1.84B total liabilities against $1.77B.
$1.52B net loans and leases against $1.31B; $1.70B total deposits against $1.68B.
$298.4M securities against $364.2M; $135.6M cash and balances due against $199.6M.
$26.7M total interest income against $25.4M; $7.4M total interest expense against $6.9M.
$19.2M net interest income against $18.6M.
$818K total noninterest income against $1.5M; $15.5M total noninterest expense against $14.4M.
$173K provision for credit losses against $2.6M.
$3.1M net income against $2.2M.
0.60% return on assets against 0.44%; 3.79% net interest margin against 3.85%.
11.22% tier 1 leverage ratio against 11.84%.
Inside the full Beneficial State Bank 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Beneficial State Bank rankings
Its closest position to the top of a national ranking is 233 of 3,640, for Texas Ratio; its furthest is 3,145 of 3,606, for efficiency ratio.
Metric pages for Beneficial State Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.37% (Q4 2025) to 0.91% (Q3 2024) and its net interest margin ran from 3.46% (Q1 2025) to 3.91% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.22% | 0.60% | 2.53% | 17.52% | 3.79% |
| Q1 2026 | 11.20% | -0.33% | 2.79% | 18.70% | 3.77% |
| Q4 2025 | 11.45% | -0.37% | 2.16% | 14.05% | 3.74% |
| Q3 2025 | 11.65% | 0.64% | 2.35% | 14.78% | 3.70% |
| Q2 2025 | 11.84% | 0.44% | 1.52% | 9.80% | 3.85% |
| Q1 2025 | 11.58% | -0.14% | 2.07% | 13.07% | 3.46% |
| Q4 2024 | 11.59% | 0.25% | 1.40% | 8.59% | 3.79% |
| Q3 2024 | 12.22% | 0.91% | 1.43% | 8.76% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Beneficial State Bank (main office) | Oakland , CA | 94612 | $839.6M |
| Pearl Branch Office | Portland , OR | 97209 | $313.0M |
| East Los Angeles Branch | Los Angeles , CA | 90063 | $235.9M |
| Seattle Branch | Seattle , WA | 98122 | $202.7M |
| Fresno Branch | Fresno , CA | 93704 | $42.2M |
| Rose City Branch | Portland , OR | 97213 | $34.1M |
| Mlk Portland Branch | Portland , OR | 97212 | $32.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Structure Change | Acquired Albina Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 18, 2016 | Structure Change | Acquired Pan American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2010 | Structure Change | Acquired ShoreBank, Pacific Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 77 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 70 loans originated, $108.7M originated, across 3 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $5.9M approved, $653K 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
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Beneficial State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Beneficial State Bank with peers
Frequently asked about Beneficial State Bank
What are Beneficial State Bank's total assets?
As of the Q2 2026 filing, Beneficial State Bank reported total assets of $2.03 billion in its FFIEC call report.
Where is Beneficial State Bank headquartered?
It is headquartered in Oakland, CA, United States.
When was Beneficial State Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Beneficial State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beneficial State Bank?
Beneficial State Bank's primary federal regulator is the FDIC.
How many branches does Beneficial State Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beneficial State Bank's Texas Ratio?
Its Texas Ratio is 17.52% 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.
What was Beneficial State Bank previously called?
The charter now named Beneficial State Bank has also operated as One PacificCoast Bank, FSB (2010-2014), per FDIC structure-change records.
Go deeper on Beneficial State Bank.
Get an email when Beneficial State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Beneficial State Bank, freeFree account