Beacon Bank and Trust: how it compares with its peers
Against 94 U.S. banks with half to twice its assets, Beacon Bank and Trust's strongest measure in Q2 2026 is net interest margin (3.79% vs. a 3.64% peer median). Its weakest relative measure is return on assets (1.05% vs. 1.23%).
| Measure | Beacon Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.23% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.64% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.07% | 55.14% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $12.1M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.30% | 85.69% | Context |
What it means for lending operations
Its efficiency ratio of 56.07% is above the 55.14% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Financial Bank Cincinnati, OH · $22.35B
- State Bank of India New York, NY · $22.51B
- Wilmington Savings Fund Society, FSB Wilmington, DE · $22.57B
- TowneBank Portsmouth, VA · $22.62B
- Optum Bank, Inc. Draper, UT · $21.43B
- Seacoast National Bank Stuart, FL · $21.34B
Questions about Beacon Bank and Trust
How big is Beacon Bank and Trust?
Beacon Bank and Trust, established in 1871, is headquartered in Boston, MA. It reported $22.20B in total assets in its Q2 2026 FDIC call report and operates 151 offices.
What is Beacon Bank and Trust's return on assets?
1.05% annualized in Q2 2026, against a 1.23% median for 94 U.S. banks with half to twice its assets, ahead of 36% of them.
What is Beacon Bank and Trust's efficiency ratio?
56.07% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 55.14%, and lower is better.
Is Beacon Bank and Trust growing its loans?
Net loans grew 230.0% over the year to Q2 2026, while deposits grew 302.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.