SBA lender profile
Beneficial State Bank
Beneficial State Bank appears in the public SBA loan data with 203 funded 7(a) loans since FY2010, totaling $85.8M, an average of $423K per loan, and an estimated 3,318 jobs supported. Its SBA lending concentrates in Oregon and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.5%. 41.4% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 70
- Scale 67
- Activity 69
- Consistency 81
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Beneficial State Bank the right lender for you?
Lenders fund what they know. Beneficial State Bank's SBA lending concentrates in Oregon (134 loans) and Accommodation and Food Services (48 loans), at an average loan of $423K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $2.0B
- Headquarters
- Oakland, CA
- FDIC cert
- #58490
- Status
- Active
Where Beneficial State Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Oregon | 134 | $45.0M |
| California | 54 | $24.7M |
| Washington | 15 | $16.1M |
Metro areas where Beneficial State Bank funds
What Beneficial State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 48 | $24.0M |
| Real Estate | 15 | $12.4M |
| Manufacturing | 23 | $10.0M |
| Health Care and Social Assistance | 15 | $7.1M |
| Retail Trade | 23 | $6.6M |
| Other Services | 18 | $5.7M |
Beneficial State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 66 | $11.8M |
| 2011 | 14 | $1.6M |
| 2012 | 7 | $2.5M |
| 2013 | 12 | $8.9M |
| 2014 | 7 | $2.0M |
| 2015 | 13 | $2.1M |
| 2016 | 7 | $1.5M |
| 2017 | 12 | $4.3M |
| 2018 | 10 | $4.2M |
| 2019 | 4 | $920K |
| 2020 | 7 | $6.0M |
| 2021 | 11 | $8.8M |
| 2022 | 12 | $11.8M |
| 2023 | 5 | $5.6M |
| 2024 | 6 | $7.4M |
| 2025 | 10 | $6.5M |
Related SBA lenders
Other lenders active in Oregon or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Beneficial State Bank: frequently asked questions
Does Beneficial State Bank offer SBA loans?
Yes. Beneficial State Bank appears in the public SBA data with 203 funded SBA 7(a) loans totaling $85.8M.
How many SBA loans has Beneficial State Bank made?
Beneficial State Bank is associated with 203 SBA 7(a) loans totaling $85.8M in the public SBA data (as of 2026-03-31).
What is Beneficial State Bank's SBA charge-off rate?
About 3.5% of Beneficial State Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Beneficial State Bank do most of its SBA lending?
Beneficial State Bank's SBA lending in the data is most concentrated in Oregon, and by industry in Accommodation and Food Services.
Is Beneficial State Bank an SBA Preferred Lender (PLP)?
The loan record shows Beneficial State Bank operating under PLP delegated authority: 84 of its 7(a) loans (41.4%) were processed through the Preferred Lenders Program, including 15 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Beneficial State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/beneficial-state-bank/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.