Advertisement
Beacon Bank And Trust
Boston, MA · FDIC Certificate #17798 · Chartered 01/0
Total assets
$22.20B
Total deposits
$18.65B
Total equity
$2.54B
Net loans
$17.58B
Branches (offices)
150
Net income (YTD)
$118.52M
Rank: #98 of 4,213 U.S. banks by assets · #4 of 89 in Massachusetts. Assets changed 260.3% and deposits 302.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 9.41% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 11.44% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 0.31% |
| Loans to deposits | 94.3% |
| Real estate loans (share of loans) | 76.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $13.41B | 76.2% | |
| Commercial & industrial | $3.69B | 21.0% | |
| Consumer / individual | $139.87M | 0.8% | |
| Construction & development | $378.61M | 2.2% | |
| Agricultural | $19.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.55B | $4.45B | $36.04M | $596.32M |
| Jun 2023 | $6.06B | $4.41B | $30.66M | $580.81M |
| Jun 2024 | $6.35B | $4.56B | $14.95M | $578.42M |
| Jun 2025 | $6.16B | $4.64B | $22.82M | $602.30M |
| Jun 2026 | $22.20B | $18.65B | $118.52M | $2.54B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $11.04B | 70 |
| New York | $3.09B | 31 |
| Rhode Island | $2.82B | 26 |
| Connecticut | $1.35B | 18 |
| Vermont | $341.77M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $18.65B.
Similar-sized banks
First Financial Bank ($22.35B) · Optum Bank, Inc. ($21.43B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement