Beacon Business Bank NA
San Francisco, California · FDIC Cert #25644
Beacon Business Bank NA is an FDIC-insured bank (Certificate #25644) with $174M in total assets and $129M in total deposits as of the Q2 2024 Call Report. Headquartered in San Francisco, California, the bank maintains a Tier 1 capital ratio of 19.19% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (92/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Beacon Business Bank NA (FDIC cert 25644) is a community bank — $174M in total assets, $129M in deposits, serving the San Francisco, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.19% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 42.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.05% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Beacon Business Bank NA carries a composite BankHealth grade of A (92/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Beacon Business Bank NA
- Total Assets
- $174M
- Total Deposits
- $129M
- Tier 1 Capital Ratio
- 19.19%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 41.98%
- Return on Assets
- 0.05%
- Headquarters
- San Francisco, California
- FDIC Certificate
- #25644
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Beacon Business Bank NA holds a Tier 1 capital ratio of 19.19%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Beacon Business Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Beacon Business Bank NA shows strong financial health indicators. With $174M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Beacon Business Bank NA Compares
Beacon Business Bank NA’s Health Score of 92 is 20 points above the California state average of 72 across 123 FDIC-insured banks. Its 19.19% Tier 1 capital ratio is 5.2 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.05% is below the national ROA benchmark of ~1.1%. Among 1457 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Beacon Business Bank NA is 22 points above the portfolio average of 70.
Frequently Asked Questions
Beacon Business Bank NA has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 19.19%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Beacon Business Bank NA's Tier 1 capital ratio of 19.19% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Beacon Business Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25644). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Beacon Business Bank NA holds $174M in total assets and $129M in total deposits. It is headquartered in San Francisco, California (FDIC Certificate #25644).
Beacon Business Bank NA has a Tier 1 capital ratio of 19.19%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.05%.
Yes. Beacon Business Bank NA is FDIC-insured (Certificate #25644). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Beacon Business Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.