BlastPoint's Banking Scorecard
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Micro
Specialty: Commercial
CA
FDIC cert 25644
Designations: ✓ Community bank
San Francisco, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
BEACON BUSINESS BANK, NATIONAL ASSOCIATION has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 26.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.2M
-5.5% YoY
-5.2% QoQ
|
-$50.3M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$112.0M
+8.3% YoY
-1.9% QoQ
|
-$27.2M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$132.0M
-11.0% YoY
-9.9% QoQ
|
-$51.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.23%
+803.7% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.49%
+22.8% YoY
+2.8% QoQ
|
-0.36% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
94.50%
-8.3% YoY
-4.9% QoQ
|
+26.77% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
84.88%
+21.7% YoY
+9.0% QoQ
|
+10.35% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.64%
-22.5% YoY
-9.2% QoQ
|
+0.25% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.44%
-3.4% YoY
+6.9% QoQ
|
+7.59% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.31%
+45.1% YoY
+35.9% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.50%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.64% · Tier avg: 22.39%
47
47th pctile
Total Loans
Current: $112.0M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $167.2M · Tier avg: $217.5M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
40
40th pctile
Total Deposits
Current: $132.0M · Tier avg: $183.7M
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.88% · Tier avg: 74.53%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.50% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 94.50% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.88% · Tier avg: 74.53%
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
40
40th pctile
Total Deposits
Current: $132.0M · Tier avg: $183.7M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
42
42th pctile
Total Assets
Current: $167.2M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $112.0M · Tier avg: $139.2M
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.64% · Tier avg: 22.39%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%