BlastPoint's Banking Scorecard

Beacon Bank and Trust

$10B-$250B Specialty: Commercial MA FDIC cert 17798

Brookline, MA

150 branches across MA · NY · RI · CT · VT

137 banks in the $10B-$250B peer group nationally 3 in MA

Beacon Bank and Trust has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- ROA 0.38% below tier average
- Efficiency Ratio 5.80% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$22.2B +256.0% YoY -4.3% QoQ	-$24.8B	$47.0B -1.9% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$17.7B +230.2% YoY -0.5% QoQ	-$11.7B	$29.4B -0.4% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$18.4B +289.4% YoY -6.5% QoQ	-$20.0B	$38.4B -1.6% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.90% +24.4% YoY +43.0% QoQ	-0.38%	1.28% +18.7% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.74% +13.6% YoY +9.9% QoQ	-0.04%	3.77% +5.8% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	59.81% -1.4% YoY -8.6% QoQ	+5.80%	54.01% -3.7% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.87% -15.8% YoY +2.2% QoQ	-0.14%	1.02% -3.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	95.89% -15.2% YoY +6.3% QoQ	+15.11%	80.79% +1.9% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ?	21.86% +18.2% YoY +1.6% QoQ	+1.82%	20.04% +0.2% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.70% -21.9% YoY +6.2% QoQ	-0.03%	0.72% +4.2% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	11.47% +5.4% YoY +2.2% QoQ	-4.05%	15.51% -0.4% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 8.8% in tier
Non-Interest Income / Assets ?	0.11% +195.8% YoY -48.6% QoQ	-0.12%	0.22% +0.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	31%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

126

Tier 1 Capital Ratio

capital

Value: 11.47%

Peer Median: 15.51%

#126 of 137 Bottom 8.8% in $10B-$250B

118

Loan-to-Deposit Ratio

liquidity

Value: 95.89%

Peer Median: 80.79%

#118 of 137 Bottom 14.6% in $10B-$250B

106

Return on Assets

profitability

Value: 0.90%

Peer Median: 1.28%

#106 of 137 Bottom 23.4% in $10B-$250B