Call reports 2025
BEACON BANK & TRUST — 2025
What BEACON BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,231,324,000 | 6,162,093,000 | 22,779,605,000 | 23,181,570,000 |
| Total loans | 5,435,790,000 | 5,415,023,000 | 18,325,237,000 | 18,029,553,000 |
| Allowance for loan losses | 80,840,000 | 85,849,000 | 253,735,000 | 252,839,000 |
| Securities available for sale | 408,026,000 | 398,719,000 | 1,739,423,000 | 1,688,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 59,841,000 | 51,827,000 | 106,677,000 | 102,512,000 |
| Total deposits | 4,735,270,000 | 4,638,598,000 | 19,089,869,000 | 19,711,150,000 |
| Interest-bearing deposits | 3,859,128,000 | 3,773,037,000 | 14,965,881,000 | 15,469,396,000 |
| Noninterest-bearing deposits | 876,142,000 | 865,561,000 | 4,123,988,000 | 4,241,754,000 |
| Equity capital | 598,419,000 | 602,299,000 | 2,400,056,000 | 2,508,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 88,256,000 | 176,295,000 | 534,012,000 | 842,827,000 |
| Interest expense | 38,949,000 | 76,254,000 | 221,196,000 | 330,395,000 |
| Net interest income | 49,307,000 | 100,041,000 | 312,816,000 | 512,432,000 |
| Noninterest income | 2,224,000 | 4,841,000 | 22,633,000 | 47,659,000 |
| Noninterest expense | 31,330,000 | 61,819,000 | 245,212,000 | 381,841,000 |
| Provision for loan losses | 5,784,000 | 13,821,000 | 92,721,000 | 33,615,000 |
| Pretax income | 14,902,000 | 30,162,000 | -10,277,000 | 136,858,000 |
| Income tax | 3,498,000 | 7,342,000 | -5,465,000 | 34,448,000 |
| Net income | 11,404,000 | 22,820,000 | -4,812,000 | 102,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 585,888,000 | 587,326,000 | 1,960,496,000 | 2,069,767,000 |
| Total capital | 653,427,000 | 654,096,000 | 2,165,588,000 | 2,280,038,000 |
| Risk-weighted assets | 5,386,733,000 | 5,319,843,000 | 18,578,139,000 | 18,449,748,000 |