Mount Pleasant, SC · Cert 59106 · Beacon Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
60
Profitability
19
Liquidity
0
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mount Pleasant, SC · Cert 59106 · Beacon Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Charleston-North Charleston, SC · 2026 SOD (annual) · 3.1% share · #9 of 37 inst. · $0.8B of $25.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.26% | 0.40% | 0.41% | 0.48% | 0.38% | 0.52% | 0.47% | +6 bps | |
| Return on Equity | 2.84% | 3.67% | 5.57% | 5.75% | 6.52% | 5.12% | 6.60% | 5.93% | +18 bps | |
| Net Interest Margin | 2.20% | 2.19% | 2.42% | 2.41% | 2.39% | 2.33% | 2.54% | 2.53% | +12 bps | |
| Efficiency Ratio | 86.65% | 83.77% | 79.33% | 76.72% | 72.13% | 70.78% | 70.19% | 71.94% | -477 bps | |
| Non-Interest Burden | 1.89% | 1.81% | 1.88% | 1.81% | 1.66% | 1.59% | 1.75% | 1.77% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.10% | 19.81% | 23.67% | 23.59% | 29.86% | 23.32% | 16.13% | 11.87% | -1,172 bps | |
| Loan Growth (YoY) | 20.57% | 21.57% | 26.57% | 26.96% | 29.36% | 22.45% | 13.94% | 9.34% | -1,763 bps | |
| Deposit Growth (YoY) | 13.32% | 18.80% | 32.47% | 24.29% | 30.39% | 22.77% | 13.39% | 17.29% | -700 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.04% | 0.04% | 0.01% | 0.01% | 0.01% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.00% | 0.02% | 0.02% | 0.01% | 0.06% | +6 bps | |
| Allowance / Loans | 0.90% | 0.85% | 0.80% | 0.80% | 0.80% | 1.00% | 1.00% | 1.00% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 19.9x | 21.1x | 119.8x | 172.6x | 117.8x | 56.4x | +35.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.78% | 7.96% | 8.14% | 7.99% | 8.88% | 8.37% | 8.70% | 8.46% | +47 bps | |
| Total Risk-Based Capital | 10.34% | 10.24% | 10.25% | 10.18% | 11.41% | 11.52% | 11.91% | 12.02% | +184 bps | |
| Equity / Assets | 7.13% | 7.04% | 7.26% | 7.28% | 7.90% | 7.89% | 7.95% | 7.98% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.33% | 113.64% | 111.73% | 117.51% | 109.46% | 113.35% | 112.26% | 109.54% | -797 bps | |
| Liquid Assets / Assets | 5.20% | 5.53% | 4.18% | 3.00% | 6.36% | 6.11% | 6.36% | 6.35% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 380% | 371% | 364% | n/a | n/a | |
Mount Pleasant, SC · Cert 59106 · Peer group: banks under $1B in assets (n=581-629) · Beacon Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.47%
Rank 512 of 629
Net Interest Margin
2.53%
Rank 564 of 629
Efficiency Ratio
71.94%
Rank 381 of 629
Equity / Assets
7.98%
Rank 555 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.60% | 1.01% | 1.45% | Beats 19% | 512 / 629 | ||
| Return on Equity | 5.84% | 5.38% | 9.30% | 13.28% | Beats 27% | 460 / 629 | ||
| Net Interest Margin | 2.53% | 3.03% | 3.54% | 4.05% | Beats 10% | 564 / 629 | ||
| Efficiency Ratio | 71.94% | 58.35% | 67.79% | 79.08% | Beats 40% | 381 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.46% | 1.20% | Beats 84% | 92 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 379 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.82% | 11.24% | 13.84% | 18.77% | Beats 19% | 509 / 629 | ||
| Total Risk-Based Capital Ratio | 12.02% | 11.58% | 14.43% | 19.66% | Beats 29% | 447 / 629 | ||
| Equity / Assets | 7.98% | 9.09% | 10.65% | 13.80% | Beats 12% | 555 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.54% | 67.24% | 80.90% | 93.48% | 95th pctl | 30 / 594 | ||
| Loans / Assets | 88.47% | 53.31% | 67.71% | 78.15% | 97th pctl | 16 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||