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Beneficial State Bank
Oakland, CA · FDIC Certificate #58490 · Chartered 06/2
Total assets
$2.03B
Total deposits
$1.70B
Total equity
$187.60M
Net loans
$1.52B
Branches (offices)
7
Net income (YTD)
$1.40M
Rank: #599 of 4,213 U.S. banks by assets · #41 of 115 in California. Assets changed 3.9% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.14% |
| Return on equity | 1.51% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 11.22% |
| Uninsured deposits (share of deposits) | 28.6% |
| Noncurrent loans (share of loans) | 2.53% |
| Net charge-offs (share of loans) | 0.75% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 62.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $948.23M | 62.5% | |
| Commercial & industrial | $88.42M | 5.8% | |
| Consumer / individual | $498.90M | 32.9% | |
| Construction & development | $47.94M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.51B | $5.23M | $103.71M |
| Jun 2023 | $1.76B | $1.52B | $2.42M | $158.44M |
| Jun 2024 | $1.80B | $1.52B | $3.57M | $169.59M |
| Jun 2025 | $1.95B | $1.68B | $1.48M | $178.82M |
| Jun 2026 | $2.03B | $1.70B | $1.40M | $187.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.12B | 3 |
| Oregon | $380.01M | 3 |
| Washington | $202.69M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.70B.
Similar-sized banks
First National Bank ($2.03B) · Mabrey Bank ($2.02B)
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.
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