Beacon Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.05 percentage points lower than in Q1 2026, at 122.29%. On loan-to-deposit ratio, Beacon Community Bank ranks 2nd highest among the 44 banks headquartered in South Carolina, at 109.54% (Q2 2026). Beacon Community Bank reported 109.54% on loan-to-deposit ratio for Q2 2026, 28.99 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $102.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.54% |
| Net loans and leases to deposits | 108.45% |
| Loans and leases to core deposits | 122.29% |
| Core deposits to total deposits | 83.64% |
| Brokered deposits to total deposits | 5.94% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 103.69% | 86.83% | $0 | $40.3M |
| Q4 2023 | 111.05% | 81.76% | $0 | $79.3M |
| Q1 2024 | 116.93% | 85.68% | $0 | $107.8M |
| Q2 2024 | 115.04% | 81.92% | $0 | $105.2M |
| Q3 2024 | 110.33% | 81.92% | $0 | $82.2M |
| Q4 2024 | 113.64% | 82.62% | $0 | $105.2M |
| Q1 2025 | 111.73% | 83.32% | $0 | $90.1M |
| Q2 2025 | 117.51% | 82.98% | $0 | $128.1M |
| Q3 2025 | 109.46% | 81.78% | $0 | $104.6M |
| Q4 2025 | 113.35% | 82.28% | $0 | $130.5M |
| Q1 2026 | 112.26% | 81.98% | $0 | $122.5M |
| Q2 2026 | 109.54% | 83.64% | $0 | $102.5M |
Beacon Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beacon Community Bank, freeSource: Call Report Schedules RC and RC-M, 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)