Beacon Community Bank
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
$982.3MAssets
$869.1MLoans
$793.4MDeposits
$78.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets (rank 92 of 581).
- Widest gap: net interest margin trails 90% of banks under $1B in assets (rank 564 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.0M · efficiency ratio beats 40% of banks under $1B in assets | 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 |