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 Beneficial State Bank
Beneficial State Bank
| RSSD ID 3608751 | CERTIFICATE 58490 | ABA NUMBER 121182056 |
| 1438 Webster St |
Quarter Ended : |
2025-12-31 |
| Oakland, California, 94612 |
Updated : |
2026-02-11 |
| 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 : |
265 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,983,778 |
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Total Interest Income | 100,925 |
| Total Liabilities | 1,796,963 |
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Total NonInterest Income | 7,522 |
| Total Bank Equity Capital | 186,815 |
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Total Interest Expense | 28,490 |
| Total Deposits | 1,667,750 |
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Total NonInterest Expense | 58,925 |
| Net Loans & Leases | 1,451,020 |
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Net Income | 2,811 |
| Loan Loss Allowance | 25,322 |
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Net Charge Offs | 12,843 |
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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 | 1,415,943 |
| Total assets for the leverage ratio | 2,035,032 |
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Loans secured by real estate: | 856,726 |
| Tier 1 Leverage Ratio | 11.45 |
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Commercial and industrial loans | 81,654 |
| Off Balance Sheet Exposures (%) | 8.56 |
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Loans to individuals - Credit Cards | 1,653 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 467,076 |
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:· Beneficial State Bank
