Total Assets
$167M
Total balance-sheet footings
FDIC Cert #25644 · San Francisco, California · Est. 1984
BEACON BUSINESS BANK, NATIONAL ASSOCIATION - FDIC Bank Health Profile
A community-scale look at BEACON BUSINESS BANK, NATIONAL ASSOCIATION's own numbers, pulled straight from its quarterly FDIC Call Report.
- $167M
- Total assets
- B
- Health grade · Good
- 0.23%
- Return on assets
- 16.4%
- Tier 1 capital
Data updated July 2026
The verdict
BEACON BUSINESS BANK, NATIONAL ASSOCIATION earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.44% Tier 1, 0.23% ROA, 94% efficiency ratio.
- #3,239
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 16.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How BEACON BUSINESS BANK, NATIONAL ASSOCIATION's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BEACON BUSINESS BANK, NATIONAL ASSOCIATION's composite health score
Tier 1 Capital Ratio (16.44%) 40/40
Return on Assets (ROA) (0.23%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (94.50%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132M
Customer-funded liabilities
Net Loans
$112M
Outstanding loan book
Net Income
$400K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BEACON BUSINESS BANK, NATIONAL ASSOCIATION ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BEACON BUSINESS BANK, NATIONAL ASSOCIATION's score of 67/100 falls in the highlighted band.
BEACON BUSINESS BANK, NATIONAL ASSOCIATION'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 BUSINESS BANK, NATIONAL ASSOCIATION's $167M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.44%
Texas Ratio
0.00%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
2.48%
Efficiency Ratio
94.50%
What the numbers say about BEACON BUSINESS BANK, NATIONAL ASSOCIATION
BEACON BUSINESS BANK, NATIONAL ASSOCIATION is an FDIC-insured institution (Certificate #25644) headquartered in San Francisco, California, established in 1984. It holds $167M in total assets - 3,239th of 4,313 FDIC-insured banks, $132M in customer deposits, and $112M in net loans. On safety, its Tier 1 capital ratio of 16.44% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, BEACON BUSINESS BANK, NATIONAL ASSOCIATION ranks 112th of 121 banks based in California -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$517K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BEACON BUSINESS BANK, NATIONAL ASSOCIATION reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BEACON BUSINESS BANK, NATIONAL ASSOCIATION (FDIC Cert #25644) - 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 California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is BEACON BUSINESS BANK, NATIONAL ASSOCIATION's health grade?▼
BEACON BUSINESS BANK, NATIONAL ASSOCIATION receives a health grade of B (67/100) 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 BUSINESS BANK, NATIONAL ASSOCIATION?▼
BEACON BUSINESS BANK, NATIONAL ASSOCIATION holds $167M in total assets and $132M in deposits, ranking 3,239th of 4,313 FDIC-insured banks by asset size. It is headquartered in San Francisco, California.
Is my money safe at BEACON BUSINESS BANK, NATIONAL ASSOCIATION?▼
Yes, deposits at BEACON BUSINESS BANK, NATIONAL ASSOCIATION (Certificate #25644) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BEACON BUSINESS BANK, NATIONAL ASSOCIATION's Tier 1 Capital Ratio?▼
BEACON BUSINESS BANK, NATIONAL ASSOCIATION has a Tier 1 Capital Ratio of 16.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BEACON BUSINESS BANK, NATIONAL ASSOCIATION?▼
BEACON BUSINESS BANK, NATIONAL ASSOCIATION has a Texas Ratio of 0.00%. A ratio below 50% is generally considered 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 BUSINESS BANK, NATIONAL ASSOCIATION?▼
BEACON BUSINESS BANK, NATIONAL ASSOCIATION has an Efficiency Ratio of 94.50%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BEACON BUSINESS BANK, NATIONAL ASSOCIATION's profile as a depositor or analyst.
- BEACON BUSINESS BANK, NATIONAL ASSOCIATION's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BEACON BUSINESS BANK, NATIONAL ASSOCIATION against other California banks before moving funds. California 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.