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BEACON BUSINESS BANK, NATIONAL ASSOCIATION

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

San Francisco, CA

2 branches across CA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -4.6% year over year ($134.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.28%.
  • Efficiency ratio 89.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (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 38.1% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 8.4% in tier
  • - Deposit Outflow: Bottom 20.9% in tier
  • - Return on Assets 1.04% below tier average
  • - Efficiency Ratio 25.29% above tier average
  • - Net Interest Margin 0.62% below tier average
Get updates when BEACON BUSINESS BANK, NATIONAL ASSOCIATION releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $164.4M
-6.8% YoY -1.9% QoQ
-$222.2M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $114.9M
-1.6% YoY +0.8% QoQ
-$143.4M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $134.2M
-4.6% YoY +4.8% QoQ
-$192.5M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 0.28%
+235.9% YoY +164.1% QoQ
-1.04% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 7.0% in tier
Net Interest Margin ? 3.37%
+4.2% YoY +0.4% QoQ
-0.62% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 89.77%
-13.0% YoY -3.6% QoQ
+25.29% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 6.0% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 85.61%
+3.2% YoY -3.9% QoQ
+7.66% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 29.78%
-2.2% YoY +11.8% QoQ
+7.75% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.63%
-24.1% YoY -1.7% QoQ
-4.28% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.39%
+154.5% YoY +111.6% QoQ
-0.18% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
84%

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 (CA) National Avg Tier Percentile
Noninterest-Bearing 29.8%
-0.7pp YoY
+3.1pp QoQ
 +7.6pp 22.1% 25.5% 22.2% 81%
Brokered Deposits 7.5%
-2.3pp YoY
-0.5pp QoQ
 -0.3pp 7.9% 11.0% 8.5% 66%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 8.1%
+1.9pp YoY
+0.1pp QoQ
 -3.5pp 11.6% 11.8% 12.5% 41%
CRE 84.7%
+0.1pp QoQ
 +45.1pp 39.5% 67.5% 41.4% 98%
1-4 Family 8.6%
0.0pp YoY
-0.2pp QoQ
 -24.0pp 32.6% 16.5% 31.3% 9%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 11.6%
+0.6pp YoY
-0.2pp QoQ
 -0.5pp 12.2% 14.5% 12.6% 60%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 24
-1 (-4.0%) YoY
+2 (+9.1%) QoQ
 -35 58 337 482 17%
Assets per Employee ($) $6.8M
-3.0% YoY
-10.1% QoQ
 -$669K $7.5M $11.3M $8.8M 49%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 2.7%
+5.0pp YoY
+1.7pp QoQ
 -9.5pp 12.2% 8.2% 11.6% 8%
Cost of Funds (YTD) 1.6%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.9% 1.7% 44%
Net Income ($, YTD) $231,000
+229.8% YoY
— QoQ
 -$2.3M $2.6M $28.5M $40.4M 6%

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
#252 of 659 • Top 38.1% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Constraint

risk
#10 of 107 • Bottom 8.4% 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: 85.61%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.63%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#113 of 535 • Bottom 20.9% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
434
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#434 of 2643 Top 16.4% in $100M-$1B
493
Non-Interest-Bearing Deposit Share
funding
Value: 29.78%
Peer Median: 22.03%
#493 of 2643 Top 18.6% in $100M-$1B

Top Weaknesses (6 metrics)

2486
Efficiency Ratio
profitability
Value: 89.77%
Peer Median: 64.48%
#2486 of 2643 Bottom 6.0% in $100M-$1B
2460
Return on Assets
profitability
Value: 0.28%
Peer Median: 1.32%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2210
Total Deposits
size
Value: $134.25M
Peer Median: $326.73M
#2210 of 2643 Bottom 16.4% in $100M-$1B
2169
Total Assets
size
Value: $164.38M
Peer Median: $386.57M
#2169 of 2643 Bottom 18.0% in $100M-$1B
2056
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.99%
#2056 of 2643 Bottom 22.2% in $100M-$1B
2015
Total Loans
size
Value: $114.92M
Peer Median: $258.35M
#2015 of 2643 Bottom 23.8% in $100M-$1B
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