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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 17798 · MA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3318/4307
  • PHOTO-FINISH The City State Bank · KS
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 5.5% Texas
  • ROA-THIN 0.63% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: The City State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Beacon Bank and Trust

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of the Plains · KS · ne…66/100Beacon Bank and Trust · MA ·…66/100The City State Bank · KS · n…66/100Thomaston Savings Bank · CT …66/100Union Savings Bank · CT · ne…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Beacon Bank and Trust · July 2026

Plate reading for Beacon Bank and Trust where failures stay rare

Beacon Bank and Trust (FDIC Cert #17798) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,318 of 4,307. Tier 1 capital prints at 11.22%, clearing the 10% well-capitalized line. The Texas Ratio is 5.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.63%. Balance-sheet scale is $23.2B, 94th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The City State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Beacon Bank and Trust

Only 1 FAILURE resolution in Massachusetts since 2000

Beacon Bank and Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

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.

0/100100/100National avg77/10066/100
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 Assets

$23.2B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.82% 11.22% 12.62%
Basel III capital ratios - Beacon Bank and Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Beacon Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Beacon Bank and Trust

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

What these ratios mean →

Profitability metrics: Beacon Bank and Trust

Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
5.90%
Efficiency Ratio
65.46%

What these mean →

Income & expense at Beacon Bank and Trust

$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.

FDIC Failed Bank List → View Beacon Bank and Trust on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Beacon Bank and Trust nationally by total assets
  1. 1
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

  2. 2
    Centennial Bank $22.7B

    Conway, AR · Grade A

  3. 3
    State Bank of India $22.6B

    New York, NY · Grade F

  4. 4
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

  5. 5
    Mechanics Bank $22.4B

    Walnut Creek, CA · Grade A

  6. 6
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($23.2B here), outside Massachusetts so the neighborhood is not state containment.

TriState Capital Bank $23.3B · PA Centennial Bank $22.7B · AR State Bank of India $22.6B · NY First Hawaiian Bank $24.0B · HI

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.

Beacon Bank and Trust Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
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%