# BENEFICIAL STATE BANK
OAKLAND, CA · FDIC certificate 58490 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (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 | $2.03B | |
| Deposits | $1.70B | |
| Loans and leases | $1.55B | |
| Total equity | $187.6M | |
| Loans / deposits | 89.27% (p56 of band) | 87.10% |
| Liquid assets / assets | 21.41% (p51 of band) | |
| Uninsured deposits / deposits | 28.61% (p43 of band) | 30.76% |
| Brokered deposits | 16.85% | |
| Wholesale funding | 22.35% (p91 of band) | |
| FHLB advances / assets | 5.50% | |
| Tier 1 leverage | 11.22% (p64 of band) | 10.50% |
| Unrealized securities loss / equity | -34.70% (p7 of band) | -7.75% |
| AOCI / equity | 0.83% (p95 of band) | |
| ROA (annualized) | 0.14% (p4 of band) | 1.26% |
| Net interest margin | 4.00% (p68 of band) | 3.70% |
| Efficiency ratio | 76.07% (p89 of band) | |
| Noncurrent loans | 2.53% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 0.57% (p95 of band) | |
| Reserve coverage of noncurrent | 69.48% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 25.56% (p24 of band) | |
| Auto loans | $424.7M (27.48% of loans; DQ 3.89%, NCO 0.38%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 270 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | expense ratio p90 |  |
| 2011-12 | 4 | securities losses >30% of equity | losing money, noncurrent p90, expense ratio p90 |
| 2012-03 | 7 | capital falling, losing money, expense ratio p90, uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 6 | noncurrent p90 | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 6 | uninsured deposits leaving | capital falling |
| 2012-12 | 7 | expense ratio p90 |  |
| 2013-03 | 4 |  | losing money, uninsured deposits leaving, expense ratio p90 |
| 2013-06 | 6 | losing money, assets shrinking |  |
| 2013-09 | 5 | expense ratio p90 | noncurrent p90, assets shrinking |
| 2013-12 | 4 |  | losing money |
| 2014-03 | 3 |  | expense ratio p90 |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | uninsured deposits leaving |  |
| 2015-03 | 3 |  | uninsured deposits leaving |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | reserve under noncurrent |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 7 | losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2017-06 | 6 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2017-09 | 4 |  | expense ratio p90, capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | expense ratio p90 |  |
| 2018-06 | 4 |  | losing money |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | brokered >10%, wholesale funding >15% |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 3 | capital falling | losing money |
| 2020-09 | 3 | losing money | charge-offs p90 |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90, losing money |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 3 | uninsured deposits >50% | reserve under noncurrent |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits >50% |
| 2022-06 | 5 | uninsured deposits >50%, auto book souring | capital falling |
| 2022-09 | 6 | charge-offs p90 |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2024-06 | 4 |  | expense ratio p90 |
| 2024-09 | 4 | brokered >10% | noncurrent p90 |
| 2024-12 | 6 | wholesale funding >15%, capital falling |  |
| 2025-03 | 9 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 5 |  | capital falling, losing money, noncurrent p90, reserve under noncurrent |
| 2025-09 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 8 | capital falling |  |
| 2026-03 | 9 | losing money |  |
| 2026-06 | 7 |  | capital falling, losing money |

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

- 2026-02-22 [CWA-Represented Workers At Beneficial State Bank - ‘The Only Unionized Community Bank In The United States,’ Overwhelmingly Ratify Their Second Union Contract - WNY Labor Today](https://news.google.com/rss/articles/CBMiwgJBVV95cUxPbDF5V1prSWRTWnkzTVZ3V19tbm5pYWVaMEVnb3UwXzdxV1FvR2VGTlJ6a2ViQ1F2T1psSXVHYXp0R08xYzZ4UzRNUnFhZWtsaVdISG8wOEJvV0FsTnlLSkMxUWRFN09WNUpjYzl4Qk82aE4xd2ZTVmVoYVVUeU1ESldTTEFRR0FYTGxwOGgxM2FMOVROa0MzQ01tLUZGcDNsdkR0c0c0WFpfTVF5VzlNZmRRVGg4NXVVUjl1UmwwVnpFRWxYTmJwTy02OXZKR0c2d3RhOUpkTGtPNldyM1Qzb0ZPZW45UXVFY0gzMWhRRHBNNGJPT1p3Sy0tN1R0cGdNSnYycHFtV2xtNG84Ukkzb0NjOHo4ajdqajhHTDdOTmNqX1BWcUpYNHhYRS0zLVBPamJMN2V5VkQ4Y3JyVmJDbXN3?oc=5) · WNY Labor Today
- 2025-10-28 [Bank Awards Affordable-Housing Grants to Help Preserve Low-Cost Units in Seattle, Eastside - 425business.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOaTBGRDVqQWktNXhrUGxQaWFtUVpmQjFxVnM0c29IQlU4dTJtbS13M1FRZVVpR3BKZUNCNWhaQXpmNnpFUnM5bXlsOGpQOWJlWlBaaHNwOUU1ZGtsLXhvc3R6TEVhRWJhNlZNMHlMZDJYSUV0WE5aYTJQUzRuZDJxRHExeFJSWXEtcWZRZzZkRlFmNjlZMkVvd0FjVmhHOUJuTGN0WmpKZjljS0FZNkxVd2phN3dmZ3lsWDlqa2VvU0NCSkNRWGhnblZLUWllLVpxZ3pyYWxwcw?oc=5) · 425business.com
- 2022-02-09 [U.S. Bank Workers Win Historic Union - UNI Global Union](https://news.google.com/rss/articles/CBMid0FVX3lxTE5CYmtaOHdwQXJvMDl3WXF3Uk90OVJkU3M5bW5sdlpRNDZVTTZPcmlDUjgxdjNadFRBWC1pbmZUZmJydDJEeGhqeVVlRjNmWURmWEEyaUVJdERUZVFBTWhQdEItYlYxampQV3laN0xwXy1BZnBGUmY4?oc=5) · UNI Global Union
- 2020-08-23 [Tom Steyer’s bank to revise auto loan collection practices - Auto Finance News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNWTZUeF9QRDUzOFo0MEN4aWNMWERDY1BUWkFvNmtscE9wY256LUlEQ3FfZGNJYVN3QUYzNWJwZjZrWi1lNDhtTjZQbjd1WnVHZHJnNUs5LVB5Uk5POFdRSnNxLWVYYUFlMjdGdERsYmVjZXNoYjJlQzIyUVRLcjhwWnF6ajhFbnYzdTcweVcyN2EwTXZ3YmFkV1EtRmFENEFFMzdJUm5RZWNKQlFxRkVNbXdpSWJjcDVSLVBKVlhSVDc0UWlDNklBY01jbw?oc=5) · Auto Finance News
- 2022-10-28 [A US bank has unionized for the first time in 40 years - qz.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMDdBYTlJR242ejZ3bUFUdDZWV3lOdlpwTngtOEU0Qkl1VjVPWjlpeTBtX1A2XzY0TktLTmJMaGxTZ1VlTTdaeExJMzdoeGdySU1aUmxMZ0lKcDEybVozQW92UkJHMjdPZkRQQUFrVnVtR3RqSGh3OXhWV3F4ZkpYWDJFTUhnVmhyMXc?oc=5) · qz.com
- 2017-05-16 [LendUp And Beneficial State Bank Announce Major Expansion Of Credit Card Partnership - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPX3JQbF9pb3lOZ1dxNDBrN3JWV0FOTlF6MFU2SC1rZlBWUHU3cFVjQmRFbmRHTUpUQXNQa2VsMDNkOW95UVFIUmlnSDY4d3ZCRjJjemNtTU5XODg3cmhpeEctVnRWNzljbElYMEhaNGFEcjdieUFFU3pJMjNOMUswZnNDVVl3S1F3ZmxTMHZPR3lOYUhMQU1ZM1lwb05GS1dlN0R5Rkl2ZDlfSmUzOE9CUlZpU01MTzNiWTdJMFF5SzhBc2lzTWNscHFTcmZ6Vy1uaEpLLTJBMA?oc=5) · PR Newswire
- 2024-07-24 [Beneficial State Bank Review 2024 - Business Insider](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUlRBODJ3NFZaMWcxQXhGY1dSa1plNHVJNmZsLTNZSlFHZmszX2RrMTlSZUNwQkxrbTBXMTZVczkzcU03bklUYkxzaXZQR0FFT2l1ak1MaXhSdTUzZ3hJendKTXg4SDB1V25TUHQ1ZktVTVlPZEc0NFhNd28wd1NpcjB6bGRoZWNZYW5GTnFB?oc=5) · Business Insider
- 2025-11-10 [Why community banking is a powerful act of care for Portland - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOLXNManpyMG15UmdkVmtqZlhlWlhQLVMxVTdKcFVxRW1tOVoza2FlcThrVWN1MjdBZjYySnlucHdQUEc3VjF3NnFxYzFnOERoMF91dC1kdnB0Z294VUVfcDQzdUJLd2RHejNVQmViT1V5V0JlNEowZFF6WFNQZ3dWTVFJMGNybEduNGRwUVlXa1p2UzdQY3REbzROcHVQakJEaUt4TA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58490 (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/58.json (key "58490", 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