| Weiss Ratings |
Beneficial State Bank
Oakland, CA |
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| Rating | ||||
| Asset Quality Index | 3.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 2.10 | |||
| Stability Index | 6.20 | |||
| 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 | 2.01% | |||
| 5-Year Asset Growth | 11.70% | |||
| 5-Year Charge-Offs to Average Loans | 0.56% | |||
| Charge-Offs to Average Loans | 0.96% | |||
| Non-Performing Assets to Assets | 2.08% | |||
| Non-Performing Loans to Capital | 13.76% | |||
| Non-Performing Loans to Loans | 2.93% | |||
| Balance Sheet |
Beneficial State Bank
Oakland, CA |
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| Total Assets | 1.98B | |||
| Total Deposits | 1.67B | |||
| Capital and Reserves |
Beneficial State Bank
Oakland, CA |
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| Capital | 186.82M | |||
| Leverage Ratio | 11.45 | |||
| Loan Loss Reserves to Loans | 1.72% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Beneficial State Bank
Oakland, CA |
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| Hot Money Ratio | 28.38% | |||
| Liquidity Ratio | 25.59% | |||
| Profitability |
Beneficial State Bank
Oakland, CA |
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| 5-Year Return on Average Assets | 0.39% | |||
| Net Income | 2.81M | |||
| Net Interest Spread | 3.69% | |||
| Operating Profit to Average Assets | 0.20% | |||
| Overhead Efficiency Ratio | 73.70% | |||
| Return on Assets | 0.14% | |||
| Return on Equity | 1.56% | |||