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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Beneficial State Bank

Oakland, California · $2.03B in assets · beside the 11 other California banks between $1B and $3B

The filing

9.3%
Equity / assets
12th of 12
2.53%
NPA / loans
11th of 12
0.14%
ROA
11th of 12

Beneficial State Bank is the fourth largest of the 12 California banks nearest its size between $1B and $3B, with $2.03B in assets at 30 June 2026. Loans are 90.9% of deposits, 8th of 12 against a median of 88.6%, and equity is 9.3% of assets, the lowest in the cohort. Loans grew +15.7% in the year, 2nd of 12, and deposits grew 1.0%; the cohort's median loan growth is +4.6%.

Noncurrent loans are 2.53% of the book, 11th of 12 against a median of 0.44%; 1.97% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 0.73% of loans, the highest in the cohort. Commercial real estate is 42.8% of loans, 6th of 12 against a median of 46.1%, and 285% of capital, below the 300% screen, with construction at 21% against the 100% screen.

Return on assets is 0.14%, 11th of 12 against a median of 1.11%, on an efficiency ratio of 76.1%, 10th of 12. Five years ago it was 1.02%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Equity as a share of assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 11.5% MB Malaga Bank FSB 16.7% CB Commonwealth Business Bank 14.0% ED El Dorado Savings Bank FSB 13.8% UB United Business Bank 12.7% PB Plumas Bank 12.4% FB FFB Bank 11.5% MB Mission Bank 11.4% FN First Northern Bank of Dixon 11.2% OV Oak Valley Community Bank 10.8% UM U.S. Metro Bank 9.8% MB Montecito Bank & Trust 9.3% BS Beneficial State Bank 9.3%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.6% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Beneficial State Bank is the 23rd largest 7(a) lender into Oregon of 255, with $52M across 215 loans, 0.8% of everything approved in the state (Columbia Bank leads with $706M). 15 of its 27 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oregon, 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
Multnomah, OR$42M9th of 1402.6%-1.9 pts
King, WA$11M58th of 1930.2%+0.2 pts
Alameda, CA$8M52nd of 1790.3%quiet FY2022
San Francisco, CA$4M56th of 1400.3%thin
Sacramento, CA$4M84th of 1700.2%quiet FY2022
Marion, OR$3M19th of 860.9%quiet FY2022
Marin, CA$3M32nd of 990.9%-1.1 pts
Clackamas, OR$3M48th of 1210.4%quiet FY2016
Clark, WA$3M48th of 1140.3%thin
Contra Costa, CA$2M85th of 1540.2%quiet FY2022
Washington, OR$2M58th of 1220.2%-0.5 pts
Mendocino, CA$2M20th of 461.1%quiet FY2010
San Diego, CA$1M156th of 2380.0%thin
14 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 services59$26M25.8%0.03%343rd of 2,596
Real estate & leasing16$13M12.9%0.10%156th of 1,452
Retail trade45$12M11.7%0.02%442nd of 2,589
Manufacturing34$11M11.1%0.03%437th of 2,246
Health care & social assistance20$8M8.2%0.02%427th of 2,172
7(a) lenders into Oregon, share of approvals since FY2008255 lenders on record; the ten largest and Beneficial State Bank
CB Columbia Bank 11.5% $706M · 2,806 loans UB U.S. Bank, National Association 9.0% $550M · 3,368 loans WF Wells Fargo Bank National Associa… 8.6% $528M · 1,401 loans Bo Banc of California 6.9% $426M · 288 loans LO Live Oak Banking Company 5.6% $344M · 293 loans KN KeyBank National Association 5.5% $338M · 958 loans RL Readycap Lending, LLC 3.5% $212M · 242 loans BB BMO Bank National Association 2.7% $168M · 190 loans CB Celtic Bank Corporation 2.6% $163M · 210 loans EB Enterprise Bank & Trust 2.6% $159M · 142 loans BS Beneficial State Bank 0.9% $52M · 215 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Beneficial State Bank among them; owner-occupied excluded; bold marks a screen met
Beneficial State BankRankCohort median
Total CRE against capital, the 300% screen285%8th of 12261%
Construction against capital, the 100% screen21%10th of 1214%
Construction and land development, share of loans3.1%9th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans6.3%3rd of 1228.4%
Total CRE, the guidance definition, share of loans42.8%6th of 1246.1%
CRE growth over 36 months, the third prong+37.1%10th of 12+20.0%

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
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Beneficial State BankCohort median
20212026Change20212026Change
Loans$953M$1.55B+62%$917M$1.38B+50%
Deposits$1.26B$1.70B+35%$1.33B$1.72B+29%
NPA / loans1.03%2.53%+1.50 pts0.30%0.44%+0.14 pts
Efficiency70.0%76.1%+6.1 pts54.1%60.1%+6.0 pts
ROA1.02%0.14%-0.89 pts1.11%1.11%-0.00 pts

This read was prepared for Beneficial State Bank'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 Beneficial State Bank 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 CA banks $1B to $3B
Institution www.beneficialstatebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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