Beneficial State Bank is a bank based in Oakland, California, established in 2007, with $2.0 billion in total assets across 9 branches. By Trust Grade it ranks 106th of 117 banks we track in California. Its capital ratio of 9.3% trails most similarly sized banks (31th percentile), versus a California median of 11.7%. It posted a loss over the most recent period (-0.34% return on assets), a point to watch. No consumer complaints against Beneficial State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Beneficial State Bank compares to California peers
How we graded Beneficial State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Unprofitable over the period (ROA -0.34%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Beneficial State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 3626 E 1st St, Los Angeles, CA 90063
- 268 N Main St, Porterville, CA 93257
- 430 Nw 10th Ave, Portland, OR 97209
- 5636 Ne Sandy Blvd, Portland, OR 97213
- 170 W Shaw Ave, Fresno, CA 93704
- 2100 Franklin St, Oakland, CA 94612
- 1501 E Madison St, Seattle, WA 98122
- 2002 Ne Martin Luther King Jr Blvd, Portland, OR 97212
- 980 9th St, Sacramento, CA 95814
Are deposits at Beneficial State Bank insured?
Yes. Beneficial State Bank is an FDIC-insured bank (FDIC certificate #58490). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Beneficial State Bank: frequently asked questions
Is Beneficial State Bank a good bank?
Beneficial State Bank earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Unprofitable over the period (ROA -0.34%).
Is Beneficial State Bank FDIC-insured?
Yes. Beneficial State Bank is a FDIC-insured bank (FDIC certificate #58490). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Beneficial State Bank?
Beneficial State Bank holds $2.0 billion in total assets, ranking 106th of 117 banks we track in California. It operates 9 branches.
Does Beneficial State Bank have CFPB complaints?
No CFPB complaints against Beneficial State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
