Total Assets
$23.2B
Total balance-sheet footings
FDIC Cert #17798 · Brookline, Massachusetts · Est. 1871
Beacon Bank and Trust - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $23.2B
- Total assets
- B
- Health grade · Good
- 0.63%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
Beacon Bank and Trust earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.22% Tier 1, 0.63% ROA, 65% efficiency ratio.
- #94
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 11.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Beacon Bank and Trust's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Beacon Bank and Trust's composite health score
Tier 1 Capital Ratio (11.22%) 28/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (5.50%) 16/20
Efficiency Ratio (65.46%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$19.7B
Customer-funded liabilities
Net Loans
$17.8B
Outstanding loan book
Net Income
$102M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Beacon Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Beacon Bank and Trust's score of 66/100 falls in the highlighted band.
Beacon Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Beacon Bank and Trust's $23.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.22%
Texas Ratio
5.50%
Equity Capital
$2.5B
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
5.90%
Efficiency Ratio
65.46%
What the numbers say about Beacon Bank and Trust
Beacon Bank and Trust is an FDIC-insured institution (Certificate #17798) headquartered in Brookline, Massachusetts, established in 1871. It holds $23.2B in total assets - 94th of 4,313 FDIC-insured banks, $19.7B in customer deposits, and $17.8B in net loans. Its capital position: a Tier 1 ratio of 11.22%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.50% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Beacon Bank and Trust sits in the top decile of all FDIC-insured institutions by asset size (94th of 4,313), and within Massachusetts it ranks 4th of 91 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Salem Five Cents Savings Bank, at $8.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$843M
Interest Income
$48M
Non-Interest Income
$382M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Beacon Bank and Trust reports a Texas Ratio of 5.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
National size peers: banks closest to Beacon Bank and Trust by assets
Measured strictly by total assets rather than geography, Beacon Bank and Trust's closest national peers include TriState Capital Bank, Centennial Bank, State Bank of India, First Hawaiian Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Massachusetts. Averaged across this asset-matched cohort, return on assets runs 1.07% (Beacon Bank and Trust is below that at 0.63%), the efficiency ratio averages 43.08% (Beacon Bank and Trust runs higher at 65.46%), and Tier 1 capital averages 12.56% (Beacon Bank and Trust holds less at 11.22%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $23.2B in assets, Beacon Bank and Trust has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Beacon Bank and Trust (this bank) | MA | $23.2B | 0.63% | 65.46% | 11.22% |
| TriState Capital Bank | PA | $23.3B | 0.78% | 47.15% | 17.94% |
| Centennial Bank | AR | $22.7B | 2.14% | 39.76% | 14.82% |
| State Bank of India | NY | $22.6B | 0.00% | 0.00% | 0.00% |
| First Hawaiian Bank | HI | $24.0B | 1.19% | 55.64% | 13.10% |
| Mechanics Bank | CA | $22.4B | 1.44% | 55.79% | 15.59% |
| Bank of Hawaii | HI | $24.1B | 0.87% | 60.14% | 13.89% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Beacon Bank and Trust (FDIC Cert #17798) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
| The Cape Cod Five Cents Savings BankHyannis | $5.6B | B | 0.70% |
Frequently asked questions
What is Beacon Bank and Trust's health grade?▼
Beacon Bank and Trust receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Beacon Bank and Trust?▼
Beacon Bank and Trust holds $23.2B in total assets and $19.7B in deposits, ranking 94th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brookline, Massachusetts.
Is my money safe at Beacon Bank and Trust?▼
Yes, deposits at Beacon Bank and Trust (Certificate #17798) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Beacon Bank and Trust's Tier 1 Capital Ratio?▼
Beacon Bank and Trust has a Tier 1 Capital Ratio of 11.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Beacon Bank and Trust?▼
Beacon Bank and Trust has a Texas Ratio of 5.50%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Beacon Bank and Trust?▼
Beacon Bank and Trust has an Efficiency Ratio of 65.46%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Beacon Bank and Trust's profile as a depositor or analyst.
- Beacon Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Beacon Bank and Trust against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.