Beneficial State Bank (FDIC #58490): Bank Stress & Real-Estate Credit Exposure

Beneficial State Bank (FDIC Cert #58490): bank stress 90/100, severe, STABLE over 7 days; parent BENEFICIAL STATE BCORP INC.

Beneficial State Bank (#58490) lends in 5 counties across 3 states; Beneficial State Bank (#58490) reaches 550 ZIP codes: California 3 counties, 417 ZIPs; Washington 1 county, 89 ZIPs; Oregon 1 county, 44 ZIPs.

Beneficial State Bank (#58490) largest markets: Los Angeles County, CA (304 branches, 304 ZIPs) (#58490), King County, WA (89 branches, 89 ZIPs) (#58490), Fresno County, CA (60 branches, 60 ZIPs) (#58490), Alameda County, CA (53 branches, 53 ZIPs) (#58490), Multnomah County, OR (132 branches, 44 ZIPs) (#58490).

Beneficial State Bank (#58490) reports $2.03 billion in total assets; Beneficial State Bank (#58490) equity $187.6 million (9.3% of Beneficial State Bank (#58490) assets); Beneficial State Bank (#58490) domestic deposits $1.70 billion; Beneficial State Bank (#58490) net income $1.4 million; Beneficial State Bank (#58490) return on assets 0.14%; Beneficial State Bank (#58490) return on equity 1.51%; Beneficial State Bank (#58490) net interest income $38.2 million; Beneficial State Bank (#58490) call report June 30, 2026.

Beneficial State Bank (#58490) noncurrent real-estate loans: none reported; Beneficial State Bank (#58490) net charge-offs on real estate 3.33%; Beneficial State Bank (#58490) multifamily charge-offs 4.00%; Beneficial State Bank (#58490) residential charge-offs 3.09%.

Beneficial State Bank (#58490) net interest margin 4.00% against an eight-quarter Beneficial State Bank (#58490) average of 3.92% (Beneficial State Bank (#58490) compression -0.08 points); Beneficial State Bank (#58490) non-residential real estate 309.3% of equity; Beneficial State Bank (#58490) rate-exposure score 40/100, Beneficial State Bank (#58490) fixed-rate trap 40/100; Beneficial State Bank (#58490) risk type credit driven; Beneficial State Bank (#58490) rate regime rates elevated, Beneficial State Bank (#58490) snapshot October 19, 2026.

Beneficial State Bank (#58490) stress score moved from 91 on June 22, 2026 to 90.3 on October 19, 2026; Beneficial State Bank (#58490) ranged 90.3 to 91 over 116 snapshots.

Beneficial State Bank (#58490) alerts: 5 counties; top Beneficial State Bank (#58490) alert scores: Los Angeles County, CA 46 (moderate); Fresno County, CA 43 (moderate); Oakland County, CA 27 (low); Portland County, CA 27 (low); Seattle County, CA 27 (low).