Beacon Business Bank, National Association (FDIC certificate #25644) is based in San Francisco, California. Its Q2 2026 call report shows $164.4M in total assets and $134.2M in deposits and 2 offices.
Beacon Business Bank, National Association has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 64th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (31/100, 0.28%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.45% |
| Q3 2024 | 10.86% |
| Q4 2024 | 11.01% |
| Q1 2025 | 11.26% |
| Q2 2025 | 11.00% |
| Q3 2025 | 10.87% |
| Q4 2025 | 11.26% |
| Q1 2026 | 11.84% |
| Q2 2026 | 11.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.04% |
| Q4 2024 | -0.01% |
| Q1 2025 | -0.47% |
| Q2 2025 | -0.20% |
| Q3 2025 | -0.03% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $164.4M | 11.63% | 0.00% | 0.28% | 85.6% |
| Q1 2026 | 69 | $167.6M | 11.84% | 0.00% | 0.11% | 89.0% |
| Q4 2025 | 70 | $167.2M | 11.26% | 0.00% | 0.23% | 84.9% |
| Q3 2025 | 67 | $176.3M | 10.87% | 0.00% | -0.03% | 77.9% |
| Q2 2025 | 66 | $176.4M | 11.00% | 0.00% | -0.20% | 82.9% |
| Q1 2025 | 65 | $169.2M | 11.26% | 0.00% | -0.47% | 78.9% |
| Q4 2024 | 69 | $177.0M | 11.01% | 0.00% | -0.01% | 69.7% |
| Q3 2024 | 69 | $180.2M | 10.86% | 0.00% | 0.04% | 72.9% |
| Q2 2024 | 71 | $174.3M | 11.45% | 0.00% | 0.04% | 71.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Icon Business BankBank Riverside, CA | 57 out of 100, Moderate | $155.5M | 11.9% | 0.22% | vs |
| Bank of Whittier, National AssociationBank Whittier, CA | 87 out of 100, Very strong | $152.6M | 16.4% | 0.00% | vs |
| Hatch BankBank San Marcos, CA | 78 out of 100, Strong | $177.5M | 21.5% | 0.10% | vs |
| Beach Cities Commercial BankBank Irvine, CA | 58 out of 100, Moderate | $188.9M | 9.8% | 0.00% | vs |
| United Pacific BankBank City Of Industry, CA | 57 out of 100, Moderate | $191.0M | 17.4% | 2.51% | vs |
| California Business BankBank Irvine, CA | 77 out of 100, Strong | $130.5M | 14.5% | 0.55% | vs |
Deposit insurance
Is my money safe at Beacon Business Bank, National Association?
Yes. Beacon Business Bank, National Association is an FDIC-insured institution (FDIC certificate #25644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.5% of deposits ($48.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Beacon Business Bank, National Association lists 2 offices in 2 cities. Most locations:
- San Francisco, CA (1)
- San Mateo, CA (1)
Identity & history
Profile
- Legal name
- Beacon Business Bank, National Association
- Former names
- Trans-Pacific National Bank
- Type
- National bank
- FDIC certificate #
- 25644
- RSSD ID
- 403067
- Primary regulator
- OCC
- Holding company
- Trans Pacific Bcorp
- Established
- August 21, 1984
- Headquarters
- 425 California St, San Francisco, CA 94104
- Website
- beaconbusinessbank.com
- Employees
- 24
Quick answers
Beacon Business Bank, National Association: common questions
Is Beacon Business Bank, National Association FDIC insured?
Yes. Beacon Business Bank, National Association is an FDIC-insured institution (FDIC certificate #25644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Beacon Business Bank, National Association's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Beacon Business Bank, National Association ever failed?
There is no failure record for FDIC certificate #25644 in the FDIC failed bank list.
How many branches does Beacon Business Bank, National Association have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Francisco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |