The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 8 points (51 → 59), mostly because the loan quality component improved by 13 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Massachusetts

Yes. Beacon Bank and Trust is an FDIC-insured institution (FDIC certificate #17798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.3% of deposits ($7.2B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.86% (benchmark: 10%).

Check how much of your own balance is covered

Beacon Bank and Trust lists 149 offices in 114 cities across 5 states. Most locations:

• Boston, MA (5)
• Cranston, RI (4)
• Pittsfield, MA (4)
• Worcester, MA (4)
• Brookline, MA (3)
• Medford, MA (3)
• Springfield, MA (3)
• Warwick, RI (3)
• Albany, NY (2)
• Chestnut Hill, MA (2)
• East Providence, RI (2)
• Great Barrington, MA (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 83 consumer complaints about BEACON FINANCIAL CORPORATION to the company (39 in the last 12 months). 95.2% received a timely response. That is 4.5 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Beacon Bank and Trust reported 1,200 home-loan applications under HMDA (LEI 549300TR6MWKSIOP3B72): 797 originated ($416,515,000 total), 287 denied, and 99 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Beacon Bank and Trust

Former names

Brookline Bank; Brookline Savings Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

17798

RSSD ID

782306

Primary regulator

FED

Holding company

Beacon Financial Corp

Established

January 1, 1871

Headquarters

131 Clarendon St, Boston, MA 02116

Website

www.beaconbank.com

Employees

1,970