Beneficial State Bank
Oakland, CA·RSSD 3608751·FDIC 58490·bank:3608751·CBLR opted in
- #43 of 120Total assets in California
- 9offices
- 270employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Beneficial State Bank
2 of 25 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter90.9%+11.6 pp in 12 months
Beneficial State Bank's loans rose to 90.9% of deposits, 11.6 percentage points higher than a year earlier, while cash fell to 6.7% of assets. The median change in the loan-to-deposit ratio among 625 similar banks was +0.2 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 90.9% | +11.6 pp in 12 months |
| Cash / assets | |
| 6.7% | -3.5 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Beneficial State Bank itself is left out of every peer median and percentile. How signals work
Reliance on CDs rising while the peer median fallsWorth a look: Funding33.4%peers 26.3%+7.1 pp
Beneficial State Bank's time deposits' share of deposits rose 5.2 percentage points over the past year to 33.4%. Among 625 similar banks, the median fell 0.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 33.4% | 26.3% | +7.1 pp |
| 12-month change | ||
| +5.2 pp | -0.7 pp | +5.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Beneficial State Bank itself is left out of every peer median and percentile. How signals work
Where Beneficial State Bank differs most from peers
Problem loans among the highest of similar banksContext: Asset quality2.53%peers 0.48%+205 bps
Beneficial State Bank's noncurrent loans as a share of loans was 2.53%, compared with a median of 0.48% among 624 similar banks: higher than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 2.53% | 0.48% | +205 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Beneficial State Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Beneficial State Bank is a bank headquartered in Oakland, California. It reported $2.0 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.7 billion, up 1.0% from a year earlier, and loans totaled $1.5 billion, up 15.7%.
- Its net interest margin was 4.04% and its annualized return on assets was 0.62% for the quarter.
- Its cost of all deposits was 1.51%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Beneficial State Bank's own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- Beneficial State Bank · Bank
- Federal Reserve RSSD
- 3608751
- FDIC certificate
- 58490
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Beneficial State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3.11M | — | |
| $26.67M | — | |
| $7.43M | — | |
| $19.24M | — | |
| $818K | — | |
| $15.52M | — | |
| $97K | — | |
| $173K | — | |
| 0.62% | 0.62%ROAQ · Quarter | |
| 4.04% | 4.03%NIMYQ · Quarter | |
| 77.39% | 77.39%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.