Advertisement
Beacon Business Bank, National Association
San Francisco, CA · FDIC Certificate #25644 · Chartered 08/2
Total assets
$164.38M
Total deposits
$134.25M
Total equity
$17.23M
Net loans
$114.92M
Branches (offices)
2
Net income (YTD)
$231.00K
Rank: #3,204 of 4,213 U.S. banks by assets · #105 of 115 in California. Assets changed -6.8% and deposits -4.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.28% |
| Return on equity | 2.69% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 10.48% |
| Tier 1 leverage ratio | 11.63% |
| Uninsured deposits (share of deposits) | 36.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.16M | 93.2% | |
| Commercial & industrial | $9.27M | 8.1% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $1.85M | 1.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $154.24M | $137.78M | $295.00K | $14.73M |
| Jun 2023 | $165.24M | $130.48M | $253.00K | $13.73M |
| Jun 2024 | $174.32M | $128.54M | $35.00K | $14.84M |
| Jun 2025 | $176.44M | $140.79M | -$178.00K | $15.70M |
| Jun 2026 | $164.38M | $134.25M | $231.00K | $17.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $134.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.25M.
Similar-sized banks
Northwestern Bank, National Association ($164.73M) · Auburn Banking Company ($164.25M)
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