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Beacon Bank and Trust
Brookline, MA·FDIC Cert #17798·Charter: STATE·Est. 18710101.0·HC: BEACON FINANCIAL CORP
Total Assets
$23.2B
Q4 2025
Return on Assets
0.63%
+0.67%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.46%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.63%+0.67
ROE
5.90%+6.32
Efficiency
65.46%-5.72
Equity/Assets
0.00%+0.00
NPL Ratio
0.85%+0.18
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.19%-4.48
Charge-offs
0.29%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | -0.0 | 0.6 |
| ROE | 6.2 | 5.1 | 5.8 | 6.7 | 7.7 | 7.6 | -0.4 | 5.9 |
| Efficiency | 64.5 | 65.8 | 63.4 | 63.1 | 60.6 | 58.8 | 71.2 | 65.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.8 | 1.1 | 0.8 | 1.0 | 1.3 | 0.7 | 0.9 |
| Charge-offs | 0.3 | 0.4 | 0.4 | 0.4 | 0.1 | 0.1 | 0.3 | 0.3 |
| Loan/Deposit | 120.1 | 121.0 | 120.1 | 116.6 | 113.1 | 114.9 | 94.7 | 90.2 |
Balance Sheet
Total Assets$23.2B
Total Deposits$19.7B
Total Loans$17.8B
Total Equity$2.5B
Profitability
ROA0.63%
ROE5.90%
Efficiency Ratio65.46%
Net Income$102.4M
Risk & Asset Quality
NPL Ratio0.85%
Charge-off Rate0.29%
Loan/Deposit90.19%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans