Beacon Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 15.3% higher than in Q1 2026, at $7.7M. Beacon Community Bank has the 1st lowest CET1 ratio of the 30 banks headquartered in South Carolina, at 10.82% as of Q2 2026. Beacon Community Bank reported 10.82% on CET1 ratio for Q2 2026, 4.26 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 8.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $81.4M |
| Tier 1 capital | $81.4M |
| Total risk-based capital | $90.4M |
| Total equity capital | $78.4M |
| Risk-weighted assets | $752.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 8.14% |
| Internal capital growth rate | 5.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $73.7M |
| Common stock surplus | $0 |
| Retained earnings | $7.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.03% | 11.00% | 12.15% | 8.78% | $485.5M |
| Q4 2023 | 8.34% | 10.15% | 11.21% | 8.44% | $526.8M |
| Q1 2024 | 8.04% | 9.78% | 10.79% | 8.26% | $548.1M |
| Q2 2024 | 7.64% | 9.28% | 10.27% | 8.01% | $581.6M |
| Q3 2024 | 7.78% | 9.37% | 10.34% | 7.78% | $598.2M |
| Q4 2024 | 7.81% | 9.32% | 10.24% | 7.96% | $634.5M |
| Q1 2025 | 7.99% | 9.38% | 10.25% | 8.14% | $686.9M |
| Q2 2025 | 7.99% | 9.30% | 10.18% | 7.99% | $725.1M |
| Q3 2025 | 9.21% | 10.48% | 11.41% | 8.88% | $752.7M |
| Q4 2025 | 9.12% | 10.37% | 11.52% | 8.37% | $763.3M |
| Q1 2026 | 10.72% | 10.72% | 11.91% | 8.70% | $750.0M |
| Q2 2026 | 10.82% | 10.82% | 12.02% | 8.46% | $752.6M |
Beacon Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Beacon Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beacon Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59106) · FFIEC NIC profile (RSSD 5136959)