Call reports 2025
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2025
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION 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 | 169,196,000 | 176,440,000 | 176,326,000 | 167,237,000 |
| Total loans | 112,091,000 | 118,315,000 | 115,667,000 | 113,430,000 |
| Allowance for loan losses | 1,597,000 | 1,567,000 | 1,544,000 | 1,427,000 |
| Securities available for sale | 43,609,000 | 41,802,000 | 40,845,000 | 39,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,024,000 | 140,788,000 | 146,522,000 | 131,958,000 |
| Interest-bearing deposits | 98,407,000 | 97,934,000 | 109,989,000 | 102,081,000 |
| Noninterest-bearing deposits | 41,617,000 | 42,854,000 | 36,533,000 | 29,877,000 |
| Equity capital | 15,649,000 | 15,704,000 | 16,591,000 | 17,362,000 |
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 | 1,892,000 | 3,907,000 | 6,056,000 | 8,149,000 |
| Interest expense | 645,000 | 1,263,000 | 1,871,000 | 2,470,000 |
| Net interest income | 1,247,000 | 2,644,000 | 4,185,000 | 5,679,000 |
| Noninterest income | 133,000 | 267,000 | 401,000 | 517,000 |
| Noninterest expense | 1,484,000 | 3,006,000 | 4,564,000 | 5,861,000 |
| Provision for loan losses | 94,000 | 64,000 | 41,000 | -76,000 |
| Pretax income | -203,000 | -168,000 | -32,000 | 412,000 |
| Income tax | 0 | 10,000 | 11,000 | 12,000 |
| Net income | -203,000 | -178,000 | -43,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,478,000 | 19,502,000 | 19,638,000 | 20,080,000 |
| Total capital | 21,000,000 | 21,093,000 | 21,234,000 | 21,548,000 |
| Risk-weighted assets | 121,677,000 | 127,270,000 | 127,695,000 | 122,112,000 |