BlastPoint's Banking Scorecard

BEACON BUSINESS BANK, NATIONAL ASSOCIATION

$100M-$1B Specialty: Commercial CA FDIC cert 25644

San Francisco, CA

2 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

BEACON BUSINESS BANK, NATIONAL ASSOCIATION has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 41.1% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 3.8% in tier
- Capital Constraint: Bottom 6.5% in tier
- Return on Assets 1.16% below tier average
- Efficiency Ratio 27.79% above tier average
- Net Interest Margin 0.58% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$167.6M -1.0% YoY +0.2% QoQ	-$218.5M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$114.0M +3.2% YoY +1.8% QoQ	-$141.7M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$128.1M -8.6% YoY -3.0% QoQ	-$199.9M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 14.6% in tier
Return on Assets ?	0.11% +122.4% YoY -54.5% QoQ	-1.16%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 4.8% in tier
Net Interest Margin ?	3.35% +9.3% YoY -4.0% QoQ	-0.58%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	93.08% -13.4% YoY -1.5% QoQ	+27.79%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 4.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	89.04% +12.8% YoY +4.9% QoQ	+12.41%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	26.64% -10.4% YoY +17.7% QoQ	+4.62%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.84% -26.1% YoY -28.0% QoQ	-3.99%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.18% +131.6% YoY -41.1% QoQ	-0.10%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	82%

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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 (1)

Credit Quality Leader

growth

#274 of 664 • Top 41.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#20 of 506 • Bottom 3.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk

#8 of 108 • Bottom 6.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 89.04%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.84%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

474

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#474 of 2664 Top 17.8% in $100M-$1B

Top Weaknesses (6 metrics)

2537

Efficiency Ratio

profitability

Value: 93.08%

Peer Median: 65.29%

#2537 of 2664 Bottom 4.8% in $100M-$1B

2536

Return on Assets

profitability

Value: 0.11%

Peer Median: 1.27%

#2536 of 2664 Bottom 4.8% in $100M-$1B

2275

Total Deposits

size

Value: $128.05M

Peer Median: $327.97M

#2275 of 2664 Bottom 14.6% in $100M-$1B

2162

Total Assets

size

Value: $167.56M

Peer Median: $386.08M

#2162 of 2664 Bottom 18.9% in $100M-$1B

2024

Total Loans

size

Value: $114.02M

Peer Median: $255.72M

#2024 of 2664 Bottom 24.1% in $100M-$1B

2022

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.93%

#2022 of 2664 Bottom 24.1% in $100M-$1B