Beacon Bank&Trust (FDIC #17798): Bank Stress & Real-Estate Credit Exposure
Beacon Bank&Trust (FDIC Cert #17798): bank stress 64/100, elevated, STABLE over 7 days; parent BEACON FINANCIAL CORP (BBT).
Beacon Bank&Trust (#17798) lends in 26 counties across 4 states; Beacon Bank&Trust (#17798) reaches 915 ZIP codes: New York 11 counties, 370 ZIPs; Massachusetts 8 counties, 383 ZIPs; Rhode Island 4 counties, 78 ZIPs; Vermont 3 counties, 84 ZIPs.
Beacon Bank&Trust (#17798) largest markets: Worcester County, MA (957 branches, 87 ZIPs) (#17798), Middlesex County, MA (996 branches, 83 ZIPs) (#17798), Westchester County, NY (702 branches, 78 ZIPs) (#17798), Oneida County, NY (330 branches, 55 ZIPs) (#17798), Albany County, NY (188 branches, 47 ZIPs) (#17798), Essex County, MA (276 branches, 46 ZIPs) (#17798).
Beacon Bank&Trust (#17798) reports $22.20 billion in total assets; Beacon Bank&Trust (#17798) equity $2.54 billion (11.4% of Beacon Bank&Trust (#17798) assets); Beacon Bank&Trust (#17798) domestic deposits $18.65 billion; Beacon Bank&Trust (#17798) net income $118.5 million; Beacon Bank&Trust (#17798) return on assets 1.05%; Beacon Bank&Trust (#17798) return on equity 9.41%; Beacon Bank&Trust (#17798) net interest income $391.3 million; Beacon Bank&Trust (#17798) call report June 30, 2026.
Beacon Bank&Trust (#17798) noncurrent real-estate loans 0.21% of its book; Beacon Bank&Trust (#17798) multifamily 0.31%; Beacon Bank&Trust (#17798) residential 0.31%; Beacon Bank&Trust (#17798) net charge-offs on real estate 0.69%; Beacon Bank&Trust (#17798) multifamily charge-offs 0.42%; Beacon Bank&Trust (#17798) residential charge-offs 0.99%.
Beacon Bank&Trust (#17798) net interest margin 3.79% against an eight-quarter Beacon Bank&Trust (#17798) average of 3.38% (Beacon Bank&Trust (#17798) compression -0.41 points); Beacon Bank&Trust (#17798) real-estate loans 20.8% of equity; Beacon Bank&Trust (#17798) non-residential real estate 98.8% of equity; Beacon Bank&Trust (#17798) rate-exposure score 40/100, Beacon Bank&Trust (#17798) fixed-rate trap 40/100; Beacon Bank&Trust (#17798) risk type credit driven; Beacon Bank&Trust (#17798) rate regime rates elevated; Beacon Bank&Trust (#17798) shares 15.7% below the 52-week high, Beacon Bank&Trust (#17798) equity trend weakening, Beacon Bank&Trust (#17798) snapshot October 19, 2026.
Beacon Bank&Trust (#17798) stress score moved from 66.3 on June 22, 2026 to 64.4 on October 19, 2026; Beacon Bank&Trust (#17798) ranged 64.4 to 66.3 over 116 snapshots.
Beacon Bank&Trust (#17798) alerts: 29 counties; top Beacon Bank&Trust (#17798) alert scores: Worcester County, MA 45 (moderate); Amsterdam County, MA 22 (low); Latham County, MA 22 (low); Ludlow County, MA 22 (low); Mahopac County, MA 22 (low).