Beneficial State Bank
Oakland, CA
IDRSSD: 3608751
Total Assets
$1.98B
Latest filing
Total Deposits
$1.67B
Latest filing
Net Interest Margin
3.99%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
4 routesView all→
121182056OAKLAND, CA122226063OAKLAND, CA123006651OAKLAND, CA321181491OAKLAND, CA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Beneficial State Bank
1438 Webster St
Oakland, CA 94612
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/27/2007FDIC Certificate 453951
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Beneficial State Bank (Main) | 1438 Webster St | Oakland, CA |
| EAST LOS ANGELES BRANCH | 3626 E 1st St | Los Angeles, CA |
| PORTERVILLE BRANCH | 268 N Main St | Porterville, CA |
| PEARL BRANCH OFFICE | 430 Nw 10th Ave | Portland, OR |
| ROSE CITY BRANCH | 5636 Ne Sandy Blvd | Portland, OR |
| FRESNO BRANCH | 170 W Shaw Ave | Fresno, CA |
| SEATTLE BRANCH | 1501 E Madison St | Seattle, WA |
| MLK PORTLAND BRANCH | 2002 Ne Martin Luther King Jr Blvd | Portland, OR |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/27/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94612 |
| State and County Number | 06001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 264 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/27/2007 |
| Primary Insurance Agency | DIF |
| Website | www.beneficialstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 58490 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.98B |
| Total Deposits | $1.67B |
| Total Liabilities | $1.80B |
| Total Equity Capital | $186.81M |
| Net Income | $-1,893,000 |
| Net Loans and Leases | $1.45B |
| Assets Per Employee ($Millions) | $7.49M |
| Bank Premises and Fixed Assets | $10.85M |
| Cash and Balances due from Depository Institutions | $138.81M |
| Deposits Held in Domestic Offices | $1.67B |
Key Performance Ratios
| Return on Assets (ROA) | -0.39% |
| Return on Equity (ROE) | -4.07% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 77.92% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.87% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.417% |
| Earning Assets to total Assets | 95.92% |
Income and Expense
| Total Interest Income | $25.97M |
| Total Noninterest Income | $1.95M |
| Total Interest Expense | $7.34M |
| Total Noninterest Expense | $16.03M |
| Net Interest Income | $18.62M |
| Pre-tax Net Operating Income | $275.00k |
| Provision for Credit Losses | $4.27M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $105.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $58.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $23.71M |
| Total Liabilities and Capital | $1.98B |
Securities
| Securities | $320.90M |
| Available-for-sale debt securities | $320.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Beneficial State Bank?
$1.98B as of the latest filing.
How much are Beneficial State Bank's total deposits?
$1.67B in total deposits.
Where is Beneficial State Bank located?
Oakland, CA.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
9.
When was it established?
06/27/2007.
What is the Return on Assets (ROA)?
-0.39%.
How much are total loans and leases?
$1.45B (latest filing).
What is the total interest income (latest filing)?
$25.97M.