Beneficial State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.88 percentage points in Q2 2026, from 247.56% to 255.44%. It was the largest change from Q1 2026 among the key lines here. Beneficial State Bank ranks 56th of 114 California banks on loan-to-deposit ratio, in the upper half at 90.87% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Beneficial State Bank sits 2.66 points higher, at 90.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.55B |
| Net loans and leases | $1.52B |
| Loans held for sale | $0 |
| Loans to total assets | 76.23% |
| Loan-to-deposit ratio | 90.87% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.65% |
| Multifamily (5+ residential) | 33.36% |
| Commercial and industrial | 5.72% |
| Consumer | 32.29% |
| Credit cards | 0.11% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.44% |
| Construction concentration (Tier 1 capital + allowance) | 18.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.15% |
| Interest income on loans | $23.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.23B | $1.56B | 24.91% | 6.35% | 34.25% |
| Q4 2023 | $1.26B | $1.54B | 24.35% | 7.26% | 33.31% |
| Q1 2024 | $1.26B | $1.54B | 24.47% | 7.52% | 33.35% |
| Q2 2024 | $1.29B | $1.52B | 24.39% | 7.96% | 32.98% |
| Q3 2024 | $1.27B | $1.62B | 24.81% | 7.37% | 32.73% |
| Q4 2024 | $1.28B | $1.70B | 25.12% | 7.91% | 31.83% |
| Q1 2025 | $1.28B | $1.63B | 25.36% | 6.53% | 32.55% |
| Q2 2025 | $1.34B | $1.68B | 24.74% | 6.27% | 32.71% |
| Q3 2025 | $1.37B | $1.64B | 24.26% | 5.94% | 33.44% |
| Q4 2025 | $1.48B | $1.67B | 22.55% | 5.73% | 32.51% |
| Q1 2026 | $1.51B | $1.66B | 22.20% | 5.79% | 32.91% |
| Q2 2026 | $1.55B | $1.70B | 22.65% | 5.72% | 32.29% |
Beneficial State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beneficial State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beneficial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58490) · FFIEC NIC profile (RSSD 3608751)