| Weiss Ratings |
Beneficial State Bank
Oakland, CA |
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| Rating | ||||
| Asset Quality Index | 3.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 0.30 | |||
| Stability Index | 5.90 | |||
| Company Info |
Beneficial State Bank
Oakland, CA |
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| FDIC Number | 58490 | |||
| Phone Number | (510) 735-3531 | |||
| Website | www.beneficialstatebank.com | |||
| Asset Quality |
Beneficial State Bank
Oakland, CA |
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| 1-Year Asset Growth | 1.18% | |||
| 5-Year Asset Growth | 17.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.56% | |||
| Charge-Offs to Average Loans | 1.01% | |||
| Non-Performing Assets to Assets | 2.30% | |||
| Non-Performing Loans to Capital | 11.89% | |||
| Non-Performing Loans to Loans | 3.31% | |||
| Balance Sheet |
Beneficial State Bank
Oakland, CA |
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| Total Assets | 1.92B | |||
| Total Deposits | 1.64B | |||
| Capital and Reserves |
Beneficial State Bank
Oakland, CA |
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| Capital | 185.55M | |||
| Leverage Ratio | 11.65 | |||
| Loan Loss Reserves to Loans | 1.75% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Beneficial State Bank
Oakland, CA |
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| Hot Money Ratio | 27.78% | |||
| Liquidity Ratio | 28.86% | |||
| Profitability |
Beneficial State Bank
Oakland, CA |
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| 5-Year Return on Average Assets | 0.39% | |||
| Net Income | 4.70M | |||
| Net Interest Spread | 3.67% | |||
| Operating Profit to Average Assets | 0.44% | |||
| Overhead Efficiency Ratio | 72.23% | |||
| Return on Assets | 0.31% | |||
| Return on Equity | 3.51% | |||