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Overview / Commentary
510-550-8428
1438 Webster Street, Suite 100
Oakland, CA 94612

Beneficial State Bank is headquartered in Oakland and is the 93rd largest bank in the state of California. It is also the 1,412th largest bank in the nation. It was established in 2007 and as of March of 2016, it had grown to 55 employees at 4 locations. Beneficial State Bank has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #58490
Year Established2007
Employees55
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.72%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$487.4MM$384.1MM
LoansQ1 2016vs Q1 2015$364.1MM$287.2MM
DepositsQ1 2016vs Q1 2015$368.8MM$297.5MM
Equity CapitalQ1 2016vs Q1 2015$52.9MM$42.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$6.3MM$4.6MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$3.5MM$4.0MM
Real Estate OwnedQ1 2016vs Q1 2015$0$1.2MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Beneficial State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Save 1st
OTHER TIERS: 0.05% Up to $100k
0.10%*$100k*-Business Savings
OTHER TIERS: 0.05% Up to $100k
0.10%*$100k*-EcoKids Savings
OTHER TIERS: 0.05% Up to $100k

Beneficial State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$5m*-Business Market Access
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k | 0.15% $100k - $1mm | 0.25% $1mm - $5mm
0.25%*$5m*-Market Access
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $1mm | 0.20% $1mm - $5mm

Beneficial State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-EcoEarnings Checking
OTHER TIERS: 0.05% Up to $25k | 0.07% $25k - $100k
0.10%*$100k*-Community First Business Checking
OTHER TIERS: 0.05% Up to $25k | 0.07% $25k - $100k
0.10%*$100k*-IOLTA
OTHER TIERS: 0.05% Up to $25k | 0.07% $25k - $100k
0.10%*$100k*-Community First Non-Profit Checking
OTHER TIERS: 0.05% Up to $25k | 0.07% $25k - $100k

Beneficial State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$5m*-60 Month CD
OTHER TIERS: 0.90% $1k - $100k | 1.10% $100k - $1mm | 1.40% $1mm - $5mm
1.40%*$5m*-48 Month CD
OTHER TIERS: 0.70% $1k - $25k | 0.80% $25k - $100k | 0.95% $100k - $1mm | 1.10% $1mm - $5mm
1.20%*$5m*-36 Month CD
OTHER TIERS: 0.60% $1k - $100k | 0.70% $100k - $1mm | 0.90% $1mm - $5mm
0.95%*$5m*-3 Year CDARS
OTHER TIERS: 0.45% $25k - $100k | 0.50% $100k - $1mm | 0.75% $1mm - $5mm
0.80%*$5m*-24 Month CD
OTHER TIERS: 0.50% $1k - $100k | 0.60% $100k - $1mm | 0.70% $1mm - $5mm
0.65%*$5m*-2 Year CDARS
OTHER TIERS: 0.40% $25k - $100k | 0.45% $100k - $1mm | 0.55% $1mm - $5mm
0.50%*$5m*-12 Month CD
OTHER TIERS: 0.25% $1k - $100k | 0.35% $100k - $1mm | 0.45% $1mm - $5mm
0.40%*$5m*-6 Month CD
OTHER TIERS: 0.20% $1k - $100k | 0.25% $100k - $1mm | 0.35% $1mm - $5mm
0.40%*$5m*-52 Week CDARS
OTHER TIERS: 0.15% $25k - $100k | 0.20% $100k - $1mm | 0.35% $1mm - $5mm
0.36%*$5m*-26 Week CDARS
OTHER TIERS: 0.15% $25k - $100k | 0.20% $100k - $1mm | 0.31% $1mm - $5mm
0.35%*$5m*-3 Month CD
OTHER TIERS: 0.15% $1k - $100k | 0.20% $100k - $5mm
0.25%*$5m*-13 Week CDARS
OTHER TIERS: 0.05% $25k - $100k | 0.07% $100k - $1mm | 0.15% $1mm - $5mm

Beneficial State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%*$5m*-5 Year IRA CD
OTHER TIERS: 0.90% $1k - $100k | 1.00% $100k - $1mm | 1.40% $1mm - $5mm
1.30%*$5m*-4 Year IRA CD
OTHER TIERS: 0.65% $1k - $100k | 0.75% $100k - $1mm | 1.00% $1mm - $5mm
1.10%*$5m*-3 Year IRA
OTHER TIERS: 0.55% $1k - $1mm | 0.85% $1mm - $5mm
0.75%*$5m*-2 Year IRA
OTHER TIERS: 0.45% $1k - $100k | 0.55% $100k - $1mm | 0.65% $1mm - $5mm
0.45%*$5m*-1 Year IRA
OTHER TIERS: 0.20% $1k - $1mm | 0.40% $1mm - $5mm
Locations


Beneficial State Bank Locations
One Pacificcoast Bank, FSB1438 Webster Street, Suite 100Oakland, CA 94612
Fresno Branch170 West Shaw AvenueFresno, CA 93704
Bakersfield Branch3401 Pacheco Rd, Ste ABakersfield, CA 93313
Los Angeles Branch3626 East First StreetLos Angeles, CA 90063
North Hollywood Branch1313 Sherman WayNorth Hollywood, CA 91605
Modesto Branch4623 Mchenry Ave, Ste. CModesto, CA 95356
Porterville Branch268 N. Main StreetPorterville, CA 93257
Visalia Branch649 County Center Dr., Ste. CVisalia, CA 93277
Portland Branch1101 Sw Washington StreetPortland, OR 97205
Mosler Branch2720 South Third AveSeattle, WA 98121