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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Beacon Bank & Trust

Boston, Massachusetts · $22.20B in assets · beside the 5 other New England banks over $10B (the state alone holds too few in the band to rank)

The filing

95.6%
Loans / deposits
6th of 6
+229.1%
Loans, year over year
1st of 6, largest first
335.7%
CRE / capital
6th of 6

Beacon Bank & Trust is the smallest of the 6 New England banks over $10B, with $22.20B in assets at 30 June 2026. Loans are 95.6% of deposits, the highest in the cohort against a median of 85.6%, and equity is 11.4% of assets, 3rd of 6. Loans grew +229.1% in the year, the fastest in the cohort, and deposits grew 302.0%; the cohort's median loan growth is +18.4%.

Noncurrent loans are 0.90% of the book, 5th of 6 against a median of 0.66%; 0.83% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.31% of loans, 5th of 6. Commercial real estate is 43.8% of loans, 5th of 6 against a median of 35.2%, and 336% of capital, above the 300% screen, with construction at 16% against the 100% screen. CRE has grown +179.1% over 36 months, past the guidance's 50% prong.

Return on assets is 1.07%, 4th of 6 against a median of 1.09%, on an efficiency ratio of 59.9%, 3rd of 6. Five years ago it was 1.44%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.0% of loans).

Loans as a share of depositsNew England banks over $10B · 30 June 2026 · lower is stronger, listed first
median 85.6% SS State Street Bank & Trust Co. 16.1% CB Citizens Bank National Association 79.1% WB Webster Bank National Association 81.9% EB Eastern Bank 89.2% RT Rockland Trust Co. 89.7% BB Beacon Bank & Trust 95.6%
Loans, year over yearNew England banks over $10B · 30 June 2026 · no better direction, largest first
median +18.4% BB Beacon Bank & Trust +229.1% EB Eastern Bank +27.3% RT Rockland Trust Co. +26.6% SS State Street Bank & Trust Co. +10.3% WB Webster Bank National Association +7.3% CB Citizens Bank National Association +5.5%

SBA 7(a), FY2008 to FY2026

Beacon Bank & Trust is the 5th largest 7(a) lender into Pennsylvania of 374, with $526M across 572 loans, 4.2% of everything approved in the state (The Huntington National Bank leads with $747M). 200 of its 420 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Providence, RI$76M2nd of 9911.5%+5.1 pts
Bucks, PA$74M3rd of 1406.3%-1.3 pts
Montgomery, PA$69M4th of 1604.9%+2.2 pts
Albany, NY$62M1st of 7618.6%+6.1 pts
Chester, PA$56M3rd of 1216.9%-2.3 pts
Worcester, MA$54M1st of 1407.2%+10.6 pts
Delaware, PA$50M2nd of 1196.8%+2.5 pts
Middlesex, MA$46M9th of 1903.0%-1.3 pts
Orange, FL$44M15th of 2012.1%+3.2 pts
Philadelphia, PA$42M7th of 1473.3%-4.0 pts
Kent, RI$40M1st of 6414.9%-0.0 pts
Broward, FL$39M21st of 2091.3%-0.6 pts
Lehigh, PA$33M1st of 879.5%+5.9 pts
407 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services813$505M18.3%0.66%38th of 2,596
Manufacturing509$306M11.1%0.77%24th of 2,246
Retail trade760$303M11.0%0.50%42nd of 2,589
Construction795$275M10.0%0.87%26th of 2,063
Health care & social assistance374$252M9.1%0.53%36th of 2,172
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Beacon Bank & Trust
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Beacon Bank & TrustRankCohort median
Total CRE against capital, the 300% screen336%6th of 6254%
Construction against capital, the 100% screen16%3rd of 618%
Construction and land development, share of loans2.1%2nd of 62.6%
Non-owner-occupied nonfarm nonresidential, share of loans29.1%6th of 618.4%
Total CRE, the guidance definition, share of loans43.8%5th of 635.2%
CRE growth over 36 months, the third prong+179.1%6th of 6+14.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
State Street Bank & Trust Co.$412.62B1.0%67.6%0.56%0.16%0.3%16.1%7.1%
Citizens Bank National Association$232.52B1.0%60.6%1.36%0.37%1.3%79.1%11.4%
Webster Bank National Association$85.90B1.2%49.9%0.76%0.29%1.3%81.9%11.4%
Eastern Bank$31.13B1.1%60.7%0.47%0.17%1.4%89.2%13.0%
Rockland Trust Co.$24.97B1.4%54.0%0.56%0.06%1.1%89.7%15.6%
Beacon Bank & Trust$22.20B1.1%59.9%0.90%0.31%1.3%95.6%11.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Beacon Bank & TrustCohort median
20212026Change20212026Change
Loans$4.75B$17.82B+275%$15.54B$37.85B+144%
Deposits$4.30B$18.65B+334%$21.60B$48.41B+124%
NPA / loans0.66%0.90%+0.24 pts0.55%0.66%+0.12 pts
Efficiency50.5%59.9%+9.3 pts60.3%60.2%-0.1 pts
ROA1.44%1.07%-0.37 pts1.27%1.09%-0.17 pts

This read was prepared for Beacon Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Beacon Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort New England banks over $10B
Institution www.beaconbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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