Vitals
  • Total Assets
    653.4M 40.8 %
  • Total Deposits
    524.5M 43.6 %
  • Total Net Loans
    465.3M 42.5 %
  • Net Income
    1.8M -80.6 %
  • Book Value
    77.4M 48.0 %
  • Book Value x2
    154.8M 48.0 %
  • Book Value x3
    232.1M 48.0 %
ROAA

.297

ROAE

2.398

Efficiency Ratio

80.269

Net Interest Margin

4.364

Balance Sheet Highlights
Financial Highlights Beneficial State Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 653,423 1,346,313
Total Net Loans 465,272 907,793
Total Deposits 524,512 1,084,972
Total Equity 77,382 169,778
Profitability
Net Income 1,806 12,577
Return on Average Assets .297 .955
Return on Average Equity 2.398 8.072
Net Interest Margin 4.364 3.784
Efficiency Ratio 80.269 64.937
Noninterest Income/Revenue 4.943 13.682
Balance Sheet Ratios
Loan-to-Deposit 88.706 83.983
Securities/Assets .039 .141
Total Equity/Total Assets .118 .126
Tangible Equity/Tangible Assets .107 .113
Capital Adequacy
Tier 1 Common Capital 68,174 147,337
Tier 1 Capital 68,174 147,552
Tier 2 Capital 6,215 11,893
Total Capital 74,389 160,236
Total Risk Weighted Assets 493,956 1,009,488
Leverage Ratio 10.58 11.256
Common Equity Tier 1 Capital Ratio 13.8 14.697
Tier 1 Capital Ratio 13.8 14.792
Total Capital Ratio 15.06 16.005

Timeline for Beneficial State Bank

Finance And Thrift Company

Acquisition: Beneficial State Bank acquired a new subsidiary, Finance And Thrift Company, 7 years

View Profile Jun 18 2016

Shorebank, Pacific

Acquisition: Beneficial State Bank acquired a new subsidiary, Shorebank, Pacific, 13 years

View Profile Dec 31 2010

Beneficial State Bank

Beneficial State Bank was established 16 years ago and is currently headquartered in Oakland, CA.

Jun 27 2007

Beneficial State Bancorp, Inc.

Beneficial State Bancorp, Inc. became a new parent organization for Beneficial State Bank.

View Profile Jun 27 2007
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Finance And Thrift Company Seller 117,999 Acquisition Discontinued 6/18/2016
Shorebank, Pacific Seller 180,109 Discontinued 12/31/2010
Relationships Role Relationship Start Relationship End
Beneficial State Bancorp, Inc. Parent 7/21/2011
Beneficial State Bancorp, Inc. Parent 6/27/2007 7/20/2011
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