| Weiss Ratings |
Beneficial State Bank
Oakland, CA |
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| Rating | ||||
| Asset Quality Index | 1.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.30 | |||
| Profitability Index | 2.20 | |||
| Stability Index | 6.10 | |||
| 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 | 3.86% | |||
| 5-Year Asset Growth | 11.70% | |||
| 5-Year Charge-Offs to Average Loans | 0.71% | |||
| Charge-Offs to Average Loans | 0.75% | |||
| Non-Performing Assets to Assets | 2.41% | |||
| Non-Performing Loans to Capital | 16.74% | |||
| Non-Performing Loans to Loans | 3.26% | |||
| Balance Sheet |
Beneficial State Bank
Oakland, CA |
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| Total Assets | 2.03B | |||
| Total Deposits | 1.70B | |||
| Capital and Reserves |
Beneficial State Bank
Oakland, CA |
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| Capital | 187.60M | |||
| Leverage Ratio | 11.22 | |||
| Loan Loss Reserves to Loans | 1.76% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Beneficial State Bank
Oakland, CA |
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| Hot Money Ratio | 29.52% | |||
| Liquidity Ratio | 23.34% | |||
| Profitability |
Beneficial State Bank
Oakland, CA |
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| 5-Year Return on Average Assets | 0.49% | |||
| Net Income | 1.40M | |||
| Net Interest Spread | 3.78% | |||
| Operating Profit to Average Assets | 0.19% | |||
| Overhead Efficiency Ratio | 76.07% | |||
| Return on Assets | 0.14% | |||
| Return on Equity | 1.51% | |||