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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 25644 · CA B · 67/100

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

  • GRADE-B B (67/100)
  • LOWER-Q #3251/4307
  • PHOTO-FINISH Canton Co-operative… · MA
  • TIER1-WELL 16.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.23% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Canton Co-operative Bank, MA (±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 BUSINESS BANK

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

Morgan Stanley Bank,… · UT ·…100/100BEACON BUSINESS BANK… · CA ·…67/100Canton Co-operative… · MA · …67/100Community Bankers' B… · VA ·…67/100Minnesota First Cred… · MN ·…67/100The Glen Burnie Mutu… · MD ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BEACON BUSINESS BANK · July 2026

Call Report read for BEACON BUSINESS BANK in a high-failure state

BEACON BUSINESS BANK, NATIONAL ASSOCIATION (FDIC Cert #25644) carries a PlainBankData health grade of B at 67/100, 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 #3,251 of 4,307. Tier 1 capital prints at 16.44%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.23%. Balance-sheet scale is $167M, 3,239th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Canton Co-operative Bank (MA), 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 BUSINESS BANK

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

BEACON BUSINESS BANK, NATIONAL ASSOCIATION sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about BEACON BUSINESS BANK, NATIONAL ASSOCIATION's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

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.

0/100100/100National avg77/10067/100
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 Assets

$167M

Total balance-sheet footings

Total Deposits

$132M

Customer-funded liabilities

Net Loans

$112M

Outstanding loan book

Net Income

$400K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.04% 16.44% 17.84%
Basel III capital ratios - BEACON BUSINESS BANK, NATIONAL ASSOCIATION

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% 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 BUSINESS BANK 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 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.

Capital & credit buffers at BEACON BUSINESS BANK

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

What these ratios mean →

Profitability metrics: BEACON BUSINESS BANK

Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
2.48%
Efficiency Ratio
94.50%

What these mean →

Income & expense at BEACON BUSINESS BANK

$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.

FDIC Failed Bank List → View BEACON BUSINESS BANK, NATIONAL ASSOCIATION on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($167M here), outside California so the neighborhood is not state containment.

Westmoreland Federal Savings and Loan… $167M · PA Millville Savings Bank $167M · NJ Bank of Monticello $168M · MO Security Bank of Pulaski County $167M · MO

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.

BEACON BUSINESS BANK, NATIONAL ASSOCIATION Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%