BlastPoint's Banking Scorecard
Beneficial State Bank
Community
Specialty: Commercial
CA
FDIC cert 58490
Oakland, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Beneficial State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27% in Community
- - Return on Assets 1.02% below tier
- - Delinquency Rate 1.57% above tier
- - Nonperforming Asset Ratio 1.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+2.0% YoY
+3.4% QoQ
|
+$592.3M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.5B
+15.6% YoY
+7.9% QoQ
|
+$475.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.7B
-2.1% YoY
+1.7% QoQ
|
+$503.1M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.15%
-70.8% YoY
-55.5% QoQ
|
-1.02% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.92%
-1.7% YoY
+0.2% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
73.70%
-0.5% YoY
+2.0% QoQ
|
+11.06% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
2.20%
+54.6% YoY
-8.2% QoQ
|
+1.57% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
87.00%
+18.1% YoY
+6.1% QoQ
|
+3.94% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
25.04%
+4.5% YoY
+2.3% QoQ
|
+4.00% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.61%
+75.2% YoY
-4.2% QoQ
|
+1.11% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.38%
-25.4% YoY
+30.5% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#119 of 432 · Bottom 27% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.20%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.61%
(Tier avg: 0.50%, National avg: 0.48%)
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
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.04% · Tier avg: 21.05%
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.00% · Tier avg: 83.06%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Efficiency Ratio
Current: 73.70% · Tier avg: 62.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.63%
4
4th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.16%
Top Weaknesses
4
4th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.16%
8
8th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.50%
19
19th pctile
Efficiency Ratio
Current: 73.70% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.00% · Tier avg: 83.06%
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.04% · Tier avg: 21.05%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M