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Bank, Oakland, CA
Beneficial State Bank
A bank based in Oakland, CA. Its commercial book is led by multifamily and owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.00B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 28
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.03B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 888-326-2265 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.beneficialstatebank.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- beneficialstatebank.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 2100 Franklin St, Oakland, CA 94612FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 0 closed, 2 relocated.FDIC structure history. | FDIC history |
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 16 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 28.3% to $515.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 7.0% to $252.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 3.1% to $97.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 24.2% to $66.5M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 134 small business loans totaling $44.6M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2026 | Oregon | SBA 7(a), Full-Service Restaurants | $190K | 8.25% | 10 yr | SBA FOIA | |
| Jun 2026 | Oregon | SBA 7(a), Drinking Places (Alcoholic Beverages) | $460K | 7.5% | 10 yr | SBA FOIA | |
| Apr 2026 | California | SBA 504, Real Estate and Rental and Leasing | $14M | 25 yr | SBA FOIA | ||
| Apr 2026 | Oregon | SBA 7(a), Clothing and Clothing Accessories Retailers | $440K | 7% | 25 yr | SBA FOIA | |
| Jan 2026 | California | SBA 504, Construction | $530K | 25 yr | SBA FOIA | ||
| Nov 2025 | Oregon | SBA 504, Real Estate and Rental and Leasing | $700K | 25 yr | SBA FOIA | ||
| Sep 2025 | Oregon | SBA 504, Manufacturing | $2M | 25 yr | SBA FOIA | ||
| Sep 2025 | Oregon | SBA 7(a), Full-Service Restaurants | $1.8M | 6.75% | 25 yr | SBA FOIA | |
| Sep 2025 | Oregon | SBA 7(a), Nursery, Garden Center, and Farm Supply Retailers | $110K | 7.25% | 25 yr | SBA FOIA | |
| Aug 2025 | Oregon | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Local | $430K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2025 | Oregon | SBA 7(a), Services for the Elderly and Persons with Disabilities | $330K | 7% | 25 yr | SBA FOIA | |
| Aug 2025 | Washington | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Local | $300K | 7.75% | 10 yr | SBA FOIA | |
| Jun 2025 | California | SBA 7(a), Offices of Optometrists | $1.5M | 7.75% | 10 yr | SBA FOIA | |
| Jan 2025 | Washington | SBA 7(a), Residential Property Managers | $300K | 8.5% | 10 yr | SBA FOIA | |
| Dec 2024 | California | SBA 504, Offices of Certified Public Accountants | $1.1M | 25 yr | SBA FOIA | ||
| Oct 2024 | Washington | SBA 7(a), All Other Personal Services | $630K | 6.75% | 25 yr | SBA FOIA | |
| Oct 2024 | Washington | SBA 7(a), Environmental Consulting Services | $500K | 8% | 10 yr | SBA FOIA | |
| Sep 2024 | Oregon | SBA 7(a), Full-Service Restaurants | $410K | 9.25% | 10 yr | SBA FOIA | |
| Jul 2024 | California | SBA 504, Motion Picture and Video Production | $1.9M | 25 yr | SBA FOIA | ||
| Jul 2024 | California | SBA 504, Automotive Parts and Accessories Retailers | $700K | 25 yr | SBA FOIA | ||
| Jun 2024 | Washington | SBA 7(a), Residential Remodelers | $990K | 7.75% | 25 yr | SBA FOIA | |
| May 2024 | California | SBA 504, Child Care Services | $2.1M | 25 yr | SBA FOIA | ||
| May 2024 | Oregon | SBA 504, Health Care and Social Assistance | $360K | 25 yr | SBA FOIA | ||
| Feb 2024 | California | SBA 7(a), Other Accounting Services | $780K | 9.25% | 10 yr | SBA FOIA | |
| Feb 2024 | Oregon | SBA 7(a), Wholesale Trade | $160K | 9.5% | 10 yr | SBA FOIA | |
| 17 SBA 7(a) loans since October 2023, net of cancelled | $9.47M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $516M | 33.4% | +28.3% |
| Construction and land development | $47.9M | 3.1% | +33.2% |
| Owner-occupied CRE | $253M | 16.3% | +7.0% |
| Non-owner-occupied CRE | $97.4M | 6.3% | +3.1% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $88.4M | 5.7% | +5.7% |
| Commercial total | $1.00B |
Reference only: $34.9M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $771M |
| Q4 2023 | $807M |
| Q1 2024 | $805M |
| Q2 2024 | $828M |
| Q3 2024 | $817M |
| Q4 2024 | $837M |
| Q1 2025 | $816M |
| Q2 2025 | $852M |
| Q3 2025 | $865M |
| Q4 2025 | $951M |
| Q1 2026 | $966M |
| Q2 2026 | $1.00B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 17 | $9.47M | $429K | $1.8M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $1.10M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 11 | $26.5M | $1.09M | $14M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Beneficial State Bank reported making 134 small business loans totaling $44,630,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 42 of $100,000 or less, 33 over $100,000 up to $250,000, 59 over $250,000 up to $1 million.
- 44 of them, totaling $12,502,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Multnomah County, OR | 67 | $18.3M |
| Alameda County, CA | 9 | $2.76M |
| King County, WA | 9 | $4.63M |
| San Francisco County, CA | 7 | $3.09M |
| Contra Costa County, CA | 6 | $2.23M |
| Los Angeles County, CA | 6 | $1.96M |
| Washington County, OR | 6 | $1.41M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Bank or Thrift. Certification: Certified by the CDFI Fund since 2013-10-25.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Beneficial State Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $66,485,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $105,884,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 300 | $4.57M |
| Over $100,000 up to $250,000 | 72 | $6.64M |
| Over $250,000 up to $1 million | 66 | $20.5M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 7 | $115K |
| Over $100,000 up to $250,000 | 21 | $2.75M |
| Over $250,000 up to $1 million | 122 | $60.6M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Oregon | 3 | 9 | 5 | ||
| California HQ | 5 | 3 | 6 | ||
| Washington | 1 | 5 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Beneficial State Bank has 7 offices in 5 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 7 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Multnomah County, OR | 3 | 0 |
| Alameda County, CA | 1 | 0 |
| Fresno County, CA | 1 | 0 |
| Los Angeles County, CA | 1 | 0 |
| King County, WA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $38.8M | $32.5M to $84.6M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 255.4% | 218.2% to 402.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 18.5% | 3.2% to 41.2% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 90.9% | 66.0% to 95.5% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $66.5M | $20.0M to $115M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 24.2% from a year earlier. | FDIC call report, |
| Loans to assets | 76.2% | 58.1% to 80.9% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 16 loans (94.1%)
- Approval to first disbursement
- 16 days, median of 16
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Montecito Bank & Trust | CA | $2.02B | $942M |
| FFB Bank | CA | $1.62B | $1.12B |
| Mission Bank | CA | $2.01B | $1.38B |
| Plumas Bank | CA | $2.28B | $1.34B |
| United Business Bank | CA | $2.56B | $1.90B |
| Royal Business Bank | CA | $4.27B | $1.54B |
| Oak Valley Community Bank | CA | $2.00B | $1.08B |
| Commonwealth Business Bank | CA | $1.97B | $1.42B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Beneficial State Bank, FDIC certificate 58490. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $2.03B in total assets and $1.00B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 28 recorded loans from SBA files, through September 30, 2026: 17 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Beneficial State Bank]
- Phone and website. Phone 888-326-2265, from the lender's website on November 9, 2026. Website beneficialstatebank.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 134 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 58490
- RSSD
- 3608751
- LEI
- 254900NHOEZ7DNCIQG48
- The Lender Report ID
- lr_000881
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- San Francisco-Oakland-Berkeley, CA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $2B in total assets as of June 30, 2026 (FDIC call report).
- Held $1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $515.5M of multifamily loans as of June 30, 2026, up 28.3% from a year earlier (FDIC call report).
- Held $252.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 7.0% from a year earlier (FDIC call report).
- Held $97.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 3.1% from a year earlier (FDIC call report).
- Recorded 19 SBA 7(a) approvals totaling $15M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
7 more sentences
- Provided the first lien on 11 SBA 504 projects with $26.5M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 9 offices in 3 states (FDIC).
- Reported making 134 small business loans totaling $44.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 438 commercial and industrial loans that were $1 million or less when made, with a balance of $31.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 150 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $63.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $66.5M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Beneficial State Bank, https://lender.report/lender/beneficial-state-bank-ca/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Beneficial State Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem