BlastPoint's Banking Scorecard
Beacon Bank and Trust
Boston, MA
151 branches across MA · NY · RI · CT · VT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MA.
- Deposits +302.0% year over year ($18.6B on the books).
- Delinquency rate 0.91%.
- Return on assets 1.05%.
- Efficiency ratio 56.07% vs a 53.67% peer average.
- Loan-to-deposit ratio 94.30% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Beacon Bank and Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 2.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.2B
+260.3% YoY
+0.1% QoQ
|
-$21.4B |
$43.6B
-13.8% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$17.6B
+230.0% YoY
-0.5% QoQ
|
-$10.4B |
$28.0B
-8.6% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$18.6B
+302.0% YoY
+1.1% QoQ
|
-$16.8B |
$35.4B
-14.0% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.05%
+44.6% YoY
+17.3% QoQ
|
-0.34% |
1.39%
+25.9% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.79%
+12.8% YoY
+1.5% QoQ
|
-0.13% |
3.92%
+8.9% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
56.07%
-4.6% YoY
-6.3% QoQ
|
+2.40% |
53.67%
-1.9% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.91%
-29.7% YoY
+4.4% QoQ
|
-0.10% |
1.01%
-2.8% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
94.30%
-17.9% YoY
-1.7% QoQ
|
+11.69% |
82.61%
+3.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
21.97%
+17.7% YoY
+0.5% QoQ
|
+1.39% |
20.58%
+4.9% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.72%
-35.6% YoY
+3.8% QoQ
|
-0.01% |
0.73%
+5.8% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.77%
+6.6% YoY
+2.6% QoQ
|
-3.58% |
15.35%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.22%
+178.7% YoY
+107.4% QoQ
|
-0.28% |
0.50%
+10.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
+3.3pp YoY +0.1pp QoQ |
+0.9pp | 21.0% | 16.2% | 22.2% | 44% |
| Brokered Deposits |
1.2%
-8.3pp YoY +0.5pp QoQ |
-8.0pp | 9.2% | 6.1% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.0%
-5.1pp YoY +0.1pp QoQ |
+3.8pp | 17.2% | 6.5% | 12.5% | 73% |
| CRE |
54.6%
0.0pp YoY -0.4pp QoQ |
+12.5pp | 42.0% | 40.3% | 41.4% | 71% |
| 1-4 Family |
21.7%
+7.7pp YoY -0.1pp QoQ |
-1.4pp | 23.1% | 52.4% | 31.3% | 50% |
| Consumer |
0.8%
-0.4pp YoY +0.1pp QoQ |
-12.1pp | 12.9% | 1.6% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.7pp YoY +0.3pp QoQ |
-3.5pp | 15.3% | 16.6% | 19.7% | 16% |
| Leverage Ratio |
9.8%
+0.3pp YoY +0.2pp QoQ |
-0.6pp | 10.4% | 11.5% | 12.6% | 40% |
| Total Capital Ratio |
12.9%
+0.6pp YoY +0.3pp QoQ |
-3.6pp | 16.5% | 17.5% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,970
+1471 (+294.8%) YoY +46 (+2.4%) QoQ |
-1,288 | 3,258 | 755 | 482 | 50% |
| Assets per Employee ($) |
$11.3M
-8.7% YoY -2.2% QoQ |
-$15.8M | $27.0M | $10.7M | $8.8M | 43% |
| Branch Count |
151
+123 (+439.3%) YoY +1 (+0.7%) QoQ |
+13 | 137 | 13 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.1% | 0.4% | 49% |
| Nonaccrual |
0.9%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 0.7% | 0.8% | 1.0% | 73% |
| Allowance Coverage |
1.48x
+19.6% YoY -6.2% QoQ |
-1.33x | 2.81x | 7.95x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.4% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+1.8pp YoY +1.3pp QoQ |
-3.2pp | 12.6% | 5.6% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.9%
-0.7pp YoY 0.0pp QoQ |
-0.1pp | 2.0% | 2.0% | 1.7% | 52% |
| Net Income ($, YTD) |
$118.5M
+419.4% YoY — QoQ |
-$178.3M | $296.8M | $31.7M | $40.4M | 37% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.