What is Beneficial State Bank's financial health grade?

Beneficial State Bank has a TFS Financial Health Grade of F (score: 57.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Beneficial State Bank have?

Beneficial State Bank has 9 branch locations across the United States.

Is Beneficial State Bank FDIC insured?

Yes, Beneficial State Bank is FDIC insured (Certificate #58490).

What are the total assets of Beneficial State Bank?

Beneficial State Bank has total assets of $2.0B as reported in its most recent FDIC filing.

Beneficial State Bank

BankOakland, California

www.beneficialstatebank.com

Total Assets

$2.0B

Total Deposits

$1.7B

Branches

Established

2007

TFS Health Grade

57.6 / 100

Poor financial health

How we grade

Beneficial State Bank is a bank headquartered in Oakland, California, established in 2007. With $2.0B in total assets and 9 branch locations, it has a TFS Financial Health Grade of F (57.6/100).

Capital & Safety

Tier 1 Capital Ratio

11.45%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.16%

Profitability

Return on Assets (ROA)

0.15%(1%)

Return on Equity (ROE)

1.56%(10%)

Net Interest Margin

3.92%

Efficiency Ratio

73.70%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

87.00%

Net Charge-Off Ratio

0.95%

Growth

Asset Growth (YoY)

+2.01%

Deposit Growth (YoY)

-2.13%

Net Income

$2.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Beneficial State BankHQ	1438 Webster St	Oakland	CA	11
Beneficial State Bank	170 W Shaw Ave	Fresno	CA	11
Beneficial State Bank	3626 E 1st St	Los Angeles	CA	11
Beneficial State Bank	268 N Main St	Porterville	CA	24
Beneficial State Bank	980 9th St	Sacramento	CA	24
Beneficial State Bank	5636 Ne Sandy Blvd	Portland	OR	11
Beneficial State Bank	430 Nw 10th Ave	Portland	OR	11
Beneficial State Bank	2002 Ne Martin Luther King Jr Blvd	Portland	OR	11
Beneficial State Bank	1501 E Madison St	Seattle	WA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.