Headquartered in Oakland, California, Beneficial State Bank is a state-chartered bank with $2.0B in total assets and $1.7B in deposits as of Q2 2026. It operates 9 offices across 3 states. Its charter dates back to 2007.
Based on its Q2 2026 filing, Beneficial State Bank scores 43/100, which we describe as below average. That is higher than only 3% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 112th. Its strongest component is problem-loan coverage (64/100; 18.2%), and its lowest is loan quality (16/100; 2.53%).
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 fell 12 points (55 → 43), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 61 |
| Q4 2024 | 59 |
| Q1 2025 | 48 |
| Q2 2025 | 55 |
| Q3 2025 | 48 |
| Q4 2025 | 47 |
| Q1 2026 | 36 |
| Q2 2026 | 43 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.22% |
| Q3 2024 | 12.22% |
| Q4 2024 | 11.59% |
| Q1 2025 | 11.58% |
| Q2 2025 | 11.84% |
| Q3 2025 | 11.65% |
| Q4 2025 | 11.45% |
| Q1 2026 | 11.20% |
| Q2 2026 | 11.22% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.40% |
| Q1 2025 | 2.07% |
| Q2 2025 | 1.52% |
| Q3 2025 | 2.35% |
| Q4 2025 | 2.16% |
| Q1 2026 | 2.79% |
| Q2 2026 | 2.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.50% |
| Q1 2025 | -0.14% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.15% |
| Q1 2026 | -0.34% |
| Q2 2026 | 0.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $2.0B | 11.22% | 2.53% | 0.14% | 89.3% |
| Q1 2026 | 36 | $2.0B | 11.20% | 2.79% | -0.34% | 89.3% |
| Q4 2025 | 47 | $2.0B | 11.45% | 2.16% | 0.15% | 87.0% |
| Q3 2025 | 48 | $1.9B | 11.65% | 2.35% | 0.33% | 82.0% |
| Q2 2025 | 55 | $2.0B | 11.84% | 1.52% | 0.15% | 77.9% |
| Q1 2025 | 48 | $1.9B | 11.58% | 2.07% | -0.14% | 76.8% |
| Q4 2024 | 59 | $1.9B | 11.59% | 1.40% | 0.50% | 73.6% |
| Q3 2024 | 61 | $1.9B | 12.22% | 1.43% | 0.58% | 76.8% |
| Q2 2024 | 58 | $1.8B | 12.22% | 1.48% | 0.40% | 83.1% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Montecito Bank & TrustBank Santa Barbara, CA | 69 out of 100, Moderate | $2.0B | 11.3% | 0.17% | vs |
| Mission BankBank Bakersfield, CA | 80 out of 100, Strong | $2.0B | 12.2% | 0.02% | vs |
| Oak Valley Community BankBank Oakdale, CA | 76 out of 100, Strong | $2.0B | 11.5% | 0.00% | vs |
| Commonwealth Business BankBank Los Angeles, CA | 64 out of 100, Moderate | $2.0B | 13.9% | 1.88% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |
| Plumas BankBank Quincy, CA | 67 out of 100, Moderate | $2.3B | 11.8% | 1.55% | vs |
Deposit insurance
Is my money safe at Beneficial State Bank?
Yes. Beneficial State Bank is an FDIC-insured institution (FDIC certificate #58490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.6% of deposits ($486.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.22%, 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%).
9 locations
Branches
Beneficial State Bank lists 7 offices in 5 cities across 3 states. Most locations:
- Portland, OR (3)
- Fresno, CA (1)
- Los Angeles, CA (1)
- Oakland, CA (1)
- Seattle, WA (1)
Identity & history
Profile
- Legal name
- Beneficial State Bank
- Former names
- OneCalifornia Bank, FSB; One PacificCoast Bank, FSB
- Type
- State-chartered bank
- FDIC certificate #
- 58490
- RSSD ID
- 3608751
- Primary regulator
- FDIC
- Holding company
- Beneficial State Bcorp Inc
- Established
- June 27, 2007
- Headquarters
- 2100 Franklin St, Oakland, CA 94612
- Website
- www.beneficialstatebank.com
- Employees
- 270
Quick answers
Beneficial State Bank: common questions
Is Beneficial State Bank FDIC insured?
Yes. Beneficial State Bank is an FDIC-insured institution (FDIC certificate #58490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Beneficial State Bank's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Beneficial State Bank ever failed?
There is no failure record for FDIC certificate #58490 in the FDIC failed bank list.
How many branches does Beneficial State Bank have?
9 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Oakland
| 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 |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |