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Beacon Financial Corp (BBT)
Beacon Financial Corp (BBT)
Income Statement
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Cash Flow
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Balance Sheet
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Ratios
Balance Sheets Overview
Debt to Asset Ratio
88.59%
Unit: Thousand (K) dollars
Assets Breakdown
Commercial Real Estate Portfolio...
Commercial Portfolio Segment
Consumer Portfolio Segment
Others
Liabilities Breakdown
Money market accounts
Certificate of deposit accounts
Demand checking accounts
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
240,680
185,692
201,557
182,251
Short-term investments
975,423
927,256
1,840,188
1,038,369
Total cash and cash equivalents
1,216,103
1,112,948
2,041,745
1,220,620
Investment securities available-for-sale
1,761,297
1,718,710
1,688,768
1,739,423
Total investment securities
1,761,297
1,718,710
1,688,768
1,739,423
Allowance for investment security credit losses
56
141
94
129
Net investment securities
1,761,241
1,718,569
1,688,674
1,739,294
Loans held for sale
-
-
-
83,330
Commercial Real Estate Portfolio Segment
9,884,139
9,957,408
10,012,094
10,212,072
Commercial Portfolio Segment
3,981,803
4,011,974
3,947,363
3,933,712
Consumer Portfolio Segment
3,956,276
3,954,774
4,070,095
4,096,123
Total loans and leases
17,822,218
17,924,156
18,029,552
18,241,907
Individually evaluated, allowance for loan and lease losses
73,080
78,896
79,416
69,442
Collectively evaluated, allowance for loan and lease losses
165,109
165,481
173,423
184,293
Allowance for loan and lease losses
238,189
244,377
252,839
253,735
Net loans and leases
17,584,029
17,679,779
17,776,713
17,988,172
Restricted equity securities
90,660
97,441
87,438
99,431
Premises and equipment, gross amount
-
-
275,400
-
Accumulated depreciation and amortization
-
-
112,926
-
Premises and equipment, net of accumulated depreciation of 120,224 and 112,926, respectively
161,175
161,141
162,474
158,375
Right-of-use asset operating leases
82,909
84,851
82,817
84,238
Deferred tax asset
138,466
142,827
149,487
178,456
Goodwill
357,358
355,269
351,613
353,471
Gross amount
-
-
218,680
-
Accumulated amortization
-
-
29,118
-
Identified intangible assets, net of accumulated amortization of 45,774 and 29,118, respectively
172,906
181,234
189,562
198,339
Oreo and repossessed assets, net
2,505
2,623
2,591
3,360
Cash surrender value of bank-owned life insurance policies
335,523
336,980
334,442
332,840
Other assets
348,089
353,954
352,816
381,513
Total assets
22,250,964
22,227,616
23,220,372
22,821,439
Demand checking accounts
3,910,604
3,861,000
4,032,529
3,905,559
Now accounts
1,569,862
1,520,600
1,445,894
1,470,808
Savings accounts
3,035,355
3,088,857
2,954,029
2,904,888
Money market accounts
4,461,990
4,393,607
6,515,306
5,589,693
Payroll deposits accounts
1,212,178
1,213,861
-
-
Certificate of deposit accounts
4,064,518
4,085,511
4,156,540
4,127,226
Brokered deposit accounts
231,357
128,844
410,359
905,889
Interest-bearing deposits
14,575,260
14,431,280
15,482,128
14,998,504
Total deposits
18,485,864
18,292,280
19,514,657
18,904,063
Advances from the fhlb
633,292
822,091
555,788
841,044
Subordinated debentures and notes
202,278
198,989
198,572
198,283
Other borrowed funds
53,022
51,423
34,000
41,189
Total borrowed funds
888,592
1,072,503
788,360
1,080,516
Operating lease liabilities
90,936
92,820
90,713
92,211
Mortgagors' escrow accounts
-
-
15,508
11,179
Reserve for unfunded credits
13,470
16,555
13,746
13,727
Accrued expenses and other liabilities
232,306
248,677
301,327
304,747
Total liabilities
19,711,168
19,722,835
20,724,311
20,406,443
Common stock, 0.01 par value 200,000,000 shares authorized 89,576,403 shares issued and 89,576,403 shares issued, respectively
896
896
896
896
Additional paid-in capital
2,164,080
2,172,982
2,171,885
2,171,912
Retained earnings
542,304
504,976
485,862
413,579
Accumulated other comprehensive (loss) income
-34,929
-31,411
-20,002
-28,905
Treasury stock, at cost 5,211,670 shares and 5,545,511 shares, respectively
132,555
142,662
142,580
142,486
Total stockholders' equity
2,539,796
2,504,781
2,496,061
2,414,996
Total liabilities and stockholders' equity
22,250,964
22,227,616
23,220,372
22,821,439
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Commercial Real Estate
Portfolio Segment
$9,884,139K
Commercial Portfolio
Segment
$3,981,803K
Consumer Portfolio
Segment
$3,956,276K
Investment securities
available-for-sale
$1,761,297K
Total loans and leases
$17,822,218K
Total investment
securities
$1,761,297K
Short-term investments
$975,423K
Cash and due from
banks
$240,680K
Net loans and leases
$17,584,029K
Net investment
securities
$1,761,241K
Total cash and cash
equivalents
$1,216,103K
Goodwill
$357,358K
Other assets
$348,089K
Cash surrender value
of bank-owned life...
$335,523K
Identified intangible
assets, net of...
$172,906K
Premises and equipment,
net of accumulated...
$161,175K
Deferred tax asset
$138,466K
Restricted equity
securities
$90,660K
Right-of-use asset operating
leases
$82,909K
Oreo and repossessed
assets, net
$2,505K
Allowance for loan and
lease losses
$238,189K
Allowance for investment
security credit losses
$56K
Total assets
$22,250,964K
Collectively evaluated,
allowance for loan and...
$165,109K
Individually evaluated,
allowance for loan and...
$73,080K
Total liabilities and
stockholders' equity
$22,250,964K
Total liabilities
$19,711,168K
Total stockholders'
equity
$2,539,796K
Treasury stock, at cost
5,211,670 shares and...
$132,555K
Accumulated other
comprehensive (loss) income
-$34,929K
Total deposits
$18,485,864K
Total borrowed funds
$888,592K
Accrued expenses and
other liabilities
$232,306K
Operating lease
liabilities
$90,936K
Reserve for unfunded
credits
$13,470K
Additional paid-in capital
$2,164,080K
Retained earnings
$542,304K
Common stock, 0.01 par
value 200,000,000...
$896K
Interest-bearing deposits
$14,575,260K
Demand checking
accounts
$3,910,604K
Advances from the fhlb
$633,292K
Subordinated debentures and
notes
$202,278K
Other borrowed funds
$53,022K
Money market accounts
$4,461,990K
Certificate of deposit
accounts
$4,064,518K
Savings accounts
$3,035,355K
Now accounts
$1,569,862K
Payroll deposits
accounts
$1,212,178K
Brokered deposit
accounts
$231,357K
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