Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

BENEFICIAL STATE BANK

FDIC #58490 · CA · period 20260630

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Total assets1,034,099-1.66% YoY

Total deposits814,774-4.16% YoY

Net loans and leases770,253+2.07% YoY

Return on assets0.02%-89.24% YoY

Return on equity0.22%-88.60% YoY

Net interest margin4.68%+7.63% YoY

Peer position

Return on assets4thopportunity · n=902

Return on equity3rdopportunity · n=894

Net interest margin68thin line · n=902

Equity to assets27thopportunity · n=894

Noncurrent loans6thopportunity · n=887

Liquid assets53rdin line · n=895

Brokered deposits8thopportunity · n=890

Loans to deposits42ndin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2018-06-30	1,034,099	814,774	770,253	0.02	0.22	4.68
2018-09-30	1,003,509	800,370	757,734	0.08	0.72	4.67
2018-12-31	1,010,603	805,583	738,234	0.15	1.33	4.65
2019-03-31	1,015,116	816,862	744,272	0.24	2.07	4.42
2019-06-30	1,051,599	850,154	754,633	0.22	1.93	4.35
2019-09-30	1,056,166	852,987	733,402	0.27	2.36	4.32
2019-12-31	1,036,536	833,955	724,142	0.24	2.12	4.28
2020-03-31	1,068,042	871,938	745,886	-0.30	-2.60	4.00
2020-06-30	1,239,445	1,032,946	928,135	0.03	0.25	4.03
2020-09-30	1,201,069	1,032,091	947,020	-0.89	-8.38	4.08
2020-12-31	1,251,761	1,116,782	971,805	-0.37	-3.57	4.08
2021-03-31	1,378,518	1,187,791	1,031,267	0.85	9.41	3.71
2021-06-30	1,456,464	1,256,309	936,479	1.06	11.99	3.87
2021-09-30	1,496,354	1,307,742	891,604	1.21	13.83	3.92
2021-12-31	1,574,432	1,407,464	904,938	1.09	12.67	3.88
2022-03-31	1,546,878	1,425,357	923,816	0.38	5.10	3.60
2022-06-30	1,620,805	1,505,103	942,912	0.66	9.39	3.58
2022-09-30	1,636,315	1,534,989	1,055,215	0.32	4.91	3.63
2022-12-31	1,719,253	1,597,232	1,109,213	0.40	6.23	3.72
2023-03-31	1,802,541	1,571,371	1,167,489	0.16	2.23	3.97
2023-06-30	1,755,998	1,523,144	1,184,086	0.28	3.48	3.94
2023-09-30	1,788,729	1,559,791	1,202,848	0.49	6.02	3.94
2023-12-31	1,812,569	1,539,868	1,236,223	0.39	4.74	3.93
2024-03-31	1,804,242	1,540,832	1,237,633	0.13	1.40	3.79
2024-06-30	1,801,503	1,519,997	1,263,584	0.40	4.27	3.87
2024-09-30	1,895,785	1,617,524	1,242,290	0.58	6.20	3.95
2024-12-31	1,944,646	1,704,092	1,255,014	0.50	5.37	3.99
2025-03-31	1,875,868	1,633,038	1,254,253	-0.14	-1.56	3.71
2025-06-30	1,951,690	1,683,817	1,311,815	0.15	1.67	3.86
2025-09-30	1,918,205	1,640,424	1,344,856	0.33	3.51	3.91
2025-12-31	1,983,778	1,667,750	1,451,020	0.15	1.56	3.92
2026-03-31	1,973,803	1,655,342	1,478,842	-0.34	-3.67	4.00
2026-06-30	2,027,009	1,700,462	1,517,940	0.14	1.51	4.00

Structure and branch footprint

9 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2018-02-01	1	2332666	3608751
2016-06-18	1	803461	3608751
2010-12-31	1	2045694	3608751

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.