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 | |