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 Beneficial State Bank
Beneficial State Bank
| RSSD ID 3608751 | CERTIFICATE 58490 | ABA NUMBER 121182056 |
| 1438 Webster St |
Quarter Ended : |
2025-09-30 |
| Oakland, California, 94612 |
Updated : |
2025-10-30 |
| www.beneficialstatebank.com |
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| Institution Profile |
| Year Opened : |
2007 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
9 |
Number of Employees : |
264 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,918,205 |
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Total Interest Income | 74,957 |
| Total Liabilities | 1,732,659 |
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Total NonInterest Income | 5,573 |
| Total Bank Equity Capital | 185,546 |
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Total Interest Expense | 21,146 |
| Total Deposits | 1,640,424 |
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Total NonInterest Expense | 42,894 |
| Net Loans & Leases | 1,344,856 |
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Net Income | 4,704 |
| Loan Loss Allowance | 23,972 |
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Net Charge Offs | 9,879 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 1,351,737 |
| Total assets for the leverage ratio | 2,029,174 |
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Loans secured by real estate: | 810,811 |
| Tier 1 Leverage Ratio | 11.65 |
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Commercial and industrial loans | 82,644 |
| Off Balance Sheet Exposures (%) | 9.3 |
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Loans to individuals - Credit Cards | 1,710 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 447,781 |
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:· Beneficial State Bank
