# BEACON BANK
SHOREWOOD, MN · FDIC certificate 10581 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $350.0M | |
| Deposits | $299.6M | |
| Loans and leases | $210.9M | |
| Total equity | $34.4M | |
| Loans / deposits | 69.43% (p25 of band) | 82.78% |
| Liquid assets / assets | 37.25% (p77 of band) | |
| Uninsured deposits / deposits | 26.61% (p70 of band) | 20.30% |
| Brokered deposits | 7.70% | |
| Wholesale funding | 11.38% (p71 of band) | |
| FHLB advances / assets | 1.43% | |
| Tier 1 leverage | 9.73% (p42 of band) | 10.05% |
| Unrealized securities loss / equity | -0.44% (p21 of band) | 0.46% |
| AOCI / equity | -1.21% (p14 of band) | |
| ROA (annualized) | 1.33% (p78 of band) | 0.91% |
| Net interest margin | 3.77% (p63 of band) | 3.59% |
| Efficiency ratio | 68.68% (p49 of band) | |
| Noncurrent loans | 1.42% (p77 of band) | 0.71% |
| Net charge-offs (annualized) | -0.03% (p9 of band) | |
| Reserve coverage of noncurrent | 96.52% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 42.95% (p57 of band) | |
| Auto loans | $278,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 9.1% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 0 |  | capital falling, charge-offs p90 |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | deposits shrinking |  |
| 2015-03 | 2 | capital falling | deposits shrinking |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-02 [Beacon Bank names business banking leader in Albany - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxNV2hmck1UMnNGY0FlcjVWNklZWDV6Z0dIeW9ES3JadVFzVklZMHFVWkpLVWd4bXhTOTBNRjZpN0FTbHdDVERNQ0JmNGlHV3ZqLTBSY1lOY2pYVjNsbXZDd0ptb1lWZmlhX090QnRZWUxMaTlJMWxHNEJyZXFjalQtTm5GZ0o2UVE?oc=5) · The Business Journals
- 2026-06-22 [Beacon Bank chosen as one of America’s best regional banks | News - Rome Sentinel](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQZDVKSjhBbGcwMzdZaUNBSW1LbVM0VjJJRkVTWG5uQlV1Y0NucW5XTTNNckFPRjRtaUoxR0VEMzJ3bXJsZHZDV01QWUMydFBkSG5aQlNFb0FIUHRvQXQ1M09KRHVrX1RIQlFYdnMxcngyNF95TnhJaUgwQTVqRE9UNzVtUHZ3WkRmVU9VZFJCSU52RUR3MGFFVGE1MTh3a0JmYVRNejg1cW1pcWZhUTFsQnYzVHhxdnRQcEMzSzEyLXFLSlYydnlqMWs5MFdia1NwckRDWk5zX3VlQQ?oc=5) · Rome Sentinel
- 2026-04-06 [Beacon Bank invests $2.6M in nonprofits - The Worcester Guardian](https://news.google.com/rss/articles/CBMif0FVX3lxTE9IVE5pcm5kTENod1M5eUtxM0pPZHRFWVJHcDAyUWlzeGM0MlVCNUFhZU1aRG9SczhTcXFwdmk5NjhUVHNJeEp5MHhXSG1hM0dCMjdLY3FXR1JFdS1ITVZkb3pJUHp2MDhjUHFadi1ZeVNFcXZIdTZrZWJpdnh3cTQ?oc=5) · The Worcester Guardian
- 2026-02-09 [AI is reinvigorating personalized service in community banks - MassLive](https://news.google.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?oc=5) · MassLive
- 2026-02-23 [Beacon Financial rolls out new bank brand across 145 branches - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNY2ZxTWFHT2QzOFZKTk9faVdtd3lubnByV0RLTzhxcGxxWEtQRmtwTmRYLWNTOWNOZ21OSGVsTGY5TnB3MFg5RDhtWDlRY0JJQXpPRGN1WHNXODdvMXlvdDVvZC1GMGotS2RWT0ZUR2NLamppalhocTdVekRxbzR2Y24tUVNBNlNEak1PYnFEUVVVQjlFX3l0UlVGT1c?oc=5) · The Business Journals
- 2026-02-23 [Nine local Berkshire Bank branches under new brand - Rome Sentinel](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNZGJrLV93N2l3Ml9LaDgyRUk2Tm04OVFRSVJ4VlRfTDhmT1FDOXZhNE03YlZTSmFITDFxRXhzem5SVEdnWVhlc2p3WXRqcmlxaVNTZXlaLU9oQl84YTByRU53M2Jmb3hPUmxuNW1OYVFDTnVhaE5hVFU5RFJ5eDlHaEhMNGotU2FDdFBXaVhvX054VUhSbGpqYXZiOXhJU29zWVFRMHZSZEwzZnQwMDBaNEFWM29LOU04cU1wOFQzTF9rWU01RFNLWFV3eUloUE03ZnI1ajBRSXZkQUU?oc=5) · Rome Sentinel
- 2026-03-02 [New name, branding for former Berkshire Bank branches - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQVHhicEYya1pUeUNMdU9HX2hLTDNESEZxYU9Hb2FTbmozbGFST2FUQjBQVG42U25UMjIyU05nczRaWGMyQWh6Yi1OWVc5QTBxRkM3UlNjOVN6VllLUk1MWEFfdkluWjZJdXEtcTBUZDlMMXEwWjhFUHhiYmwyUUNKalpNdXdJSDBWNGRicA?oc=5) · The Business Journals
- 2015-09-22 [Beacon Bank to be acquired by Alerus Financial - BusinessNorth](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQU0hXU21VV180RGhGM1hPdU1kZzBIWEs0Zk01OEFoS2xOdUJwQ2dOdDdySjAwMmZhN2RSYjJfQnlWS01PVVA5Q0JEMzBNTV9PYWVMVXUydU1VRUNiMHd3UWtvYmNoSWtWTHNzc1BXcXROVDRsTDVzZ0dXSHlKcnpjbUZsV2Y2clZBYU1Td3ZZbDBnNFYzRWRjb3dwTmRQLWRrTWsweWpsVGdVTGIwY3BaeTVfczdmUGFfRjU2V1p5WlVVUVJTTEh4MXBVMnZXb19XY0d5eUJWZUk?oc=5) · BusinessNorth

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10581 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "10581", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide