BlastPoint's Banking Scorecard
Beacon Bank and Trust
Mid-Market
Specialty: Commercial
MA
FDIC cert 17798
Brookline, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Beacon Bank and Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.2B
+261.6% YoY
+1.8% QoQ
|
+$12.7B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$17.8B
+223.8% YoY
-1.6% QoQ
|
+$10.6B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$19.7B
+318.5% YoY
+3.3% QoQ
|
+$11.2B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.63%
+1.4% YoY
|
-0.54% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.40%
+6.6% YoY
+10.2% QoQ
|
0 |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
65.46%
+3.7% YoY
-8.0% QoQ
|
+8.85% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.85%
+2.9% YoY
+26.4% QoQ
|
+0.17% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
90.19%
-22.6% YoY
-4.7% QoQ
|
+4.71% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.52%
+11.5% YoY
-0.4% QoQ
|
+0.88% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.66%
-7.9% YoY
+21.4% QoQ
|
+0.16% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
11.22%
+7.1% YoY
+6.3% QoQ
|
-2.33% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.21%
+7.8% YoY
+106.9% QoQ
|
-0.75% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
0.21%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $17.8B · Tier avg: $7.1B
97
97th pctile
Total Deposits
Current: $19.7B · Tier avg: $8.5B
96
96th pctile
Total Assets
Current: $23.2B · Tier avg: $10.5B
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.52% · Tier avg: 20.64%
45
45th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.40%
39
39th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 85.47%
31
31th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.68%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
23
23th pctile
Efficiency Ratio
Current: 65.46% · Tier avg: 56.60%
20
20th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
17
17th pctile
Tier 1 Capital Ratio
Current: 11.22% · Tier avg: 13.55%
8
8th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.96%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.96%
17
17th pctile
Tier 1 Capital Ratio
Current: 11.22% · Tier avg: 13.55%
20
20th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 65.46% · Tier avg: 56.60%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.68%
39
39th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 85.47%
45
45th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.40%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.52% · Tier avg: 20.64%
96
96th pctile
Total Assets
Current: $23.2B · Tier avg: $10.5B
97
97th pctile
Total Deposits
Current: $19.7B · Tier avg: $8.5B
98
98th pctile
Total Loans
Current: $17.8B · Tier avg: $7.1B