Beacon Bank and Trust
Total assets
$22.20B
▲ +260.3% YoY
Deposits
$18.65B
▲ +302.0% YoY
Loans
$17.58B
▲ +230.0% YoY
Offices
151
BEACON FINANCIAL CORP
ROA (annualized)
1.05%
peers 1.23%
ROE (annualized)
9.41%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Beacon Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +260.3% | +5.9% | +254.4 pts |
| Deposit growth (YoY) | +302.0% | +5.7% | +296.3 pts |
| Loan growth (YoY) | +230.0% | +6.9% | +223.0 pts |
| ROA | 1.05% | 1.23% | -0.2 pts |
| ROE | 9.4% | 11.2% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
Profile
- Established
- 1871
- Charter
- State
- Primary regulator
- FED
- Holding company
- BEACON FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 131 Clarendon St, Boston, MA, 02116
- County
- Suffolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 151
- FDIC cert #
- 17798
- RSSD ID
- 782306
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.20B | $18.65B | $17.58B | $2.54B | $118.5M | 1.05% | 3.79% | 0.72% |
| Q1 2026 | $22.18B | $18.44B | $17.68B | $2.51B | $50.9M | 0.90% | 3.74% | 0.70% |
| Q4 2025 | $23.18B | $19.71B | $17.78B | $2.51B | $102.4M | 0.63% | 3.40% | 0.66% |
| Q3 2025 | $22.78B | $19.09B | $18.07B | $2.40B | $-4.8M | -0.04% | 3.09% | 0.54% |
| Q2 2025 | $6.16B | $4.64B | $5.33B | $602.3M | $22.8M | 0.73% | 3.36% | 1.12% |
| Q1 2025 | $6.23B | $4.74B | $5.35B | $598.4M | $11.4M | 0.72% | 3.29% | 0.89% |
| Q4 2024 | $6.41B | $4.71B | $5.49B | $592.1M | $39.1M | 0.62% | 3.19% | 0.71% |
| Q3 2024 | $6.32B | $4.58B | $5.49B | $594.8M | $25.7M | 0.54% | 3.17% | 1.00% |
Loan mix (Q2 2026): real estate $13.41B · commercial $3.69B · consumer $139.9M · securities $1.76B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Beacon Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.23% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.3% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.55% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 54.9% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Beacon Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Beacon Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Beacon Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Beacon Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Rockland Trust CompanyRockland, MA · $24.97B
- Eastern BankBoston, MA · $31.13B
- First Financial BankCincinnati, OH · $22.35B
- State Bank of IndiaNew York, NY · $22.51B
- Wilmington Savings Fund Society, FSBWilmington, DE · $22.57B
- TowneBankPortsmouth, VA · $22.62B
Selling to Beacon Bank and Trust?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.