Beneficial State Bank: how it compares with its peers
Against 32 CA banks with half to twice its assets, Beneficial State Bank's strongest measure in Q2 2026 is net interest margin (4.00% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $10.7M).
| Measure | Beneficial State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.14% | 1.13% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.74% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.07% | 56.44% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $10.7M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.27% | 88.95% | Context |
What it means for lending operations
Its efficiency ratio of 76.07% is above the 56.44% 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
- Montecito Bank & Trust Santa Barbara, CA · $2.02B
- Mission Bank Bakersfield, CA · $2.01B
- Oak Valley Community Bank Oakdale, CA · $2.00B
- Commonwealth Business Bank Los Angeles, CA · $1.97B
- First Northern Bank of Dixon Dixon, CA · $1.93B
- Plumas Bank Quincy, CA · $2.28B
Questions about Beneficial State Bank
How big is Beneficial State Bank?
Beneficial State Bank, established in 2007, is headquartered in Oakland, CA. It reported $2.03B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Beneficial State Bank's return on assets?
0.14% annualized in Q2 2026, against a 1.13% median for 32 CA banks with half to twice its assets, ahead of 6% of them.
What is Beneficial State Bank's efficiency ratio?
76.07% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 56.44%, and lower is better.
Is Beneficial State Bank growing its loans?
Net loans grew 15.7% over the year to Q2 2026, while deposits grew 1.0%.
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 CA 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 California bank ranked.