Beneficial State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on equity climbed 10.35 percentage points in Q2 2026, from -3.67% to 6.68%. It was the largest change from Q1 2026 among the key lines here. Within California, Beneficial State Bank is 90th of 114 on return on assets, 0.60% as of Q2 2026, below the middle of the field. Beneficial State Bank's return on assets of 0.60% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.22% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.26% |
| Non-performing assets ratio | 2.48% |
| Net charge-off ratio | 0.55% |
| Texas ratio | 23.51% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 54.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 6.68% |
| Net interest margin | 3.79% |
| Efficiency ratio | 77.39% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.87% |
| Core deposits to total deposits | 77.63% |
| Brokered deposits to total deposits | 20.08% |
| Deposits to assets | 83.89% |
| Securities to assets | 14.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.04% | 0.85% | 3.62% | 2.07% | 1.09% |
| Q4 2023 | 11.96% | 0.11% | 3.62% | 2.44% | 1.08% |
| Q1 2024 | 12.07% | 0.12% | 3.54% | 2.57% | 1.30% |
| Q2 2024 | 12.22% | 0.63% | 3.69% | 2.33% | 0.75% |
| Q3 2024 | 12.22% | 0.91% | 3.91% | 2.63% | 0.37% |
| Q4 2024 | 11.59% | 0.25% | 3.79% | 2.44% | 1.58% |
| Q1 2025 | 11.58% | -0.14% | 3.46% | 2.23% | 1.61% |
| Q2 2025 | 11.84% | 0.44% | 3.85% | 2.64% | 0.66% |
| Q3 2025 | 11.65% | 0.64% | 3.70% | 3.31% | 0.76% |
| Q4 2025 | 11.45% | -0.37% | 3.74% | 2.93% | 0.84% |
| Q1 2026 | 11.20% | -0.33% | 3.77% | 3.53% | 0.95% |
| Q2 2026 | 11.22% | 0.60% | 3.79% | 3.26% | 0.55% |
Beneficial State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beneficial State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)