Beacon Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.05 percentage points lower than in Q1 2026, at 70.58%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $869.1M |
| Net loans and leases | $860.4M |
| Loans held for sale | $0 |
| Loans to total assets | 88.47% |
| Loan-to-deposit ratio | 109.54% |
| Net loans to equity capital | 10.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.02% |
| Multifamily (5+ residential) | 1.44% |
| Commercial and industrial | 5.48% |
| Consumer | 7.32% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 252.65% |
| Construction concentration (Tier 1 capital + allowance) | 70.58% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.82% |
| Interest income on loans | $12.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $538.0M | $518.9M | 32.63% | 7.46% | 9.34% |
| Q4 2023 | $569.4M | $512.7M | 32.97% | 7.30% | 10.62% |
| Q1 2024 | $593.9M | $507.9M | 32.85% | 7.62% | 11.19% |
| Q2 2024 | $626.1M | $544.2M | 30.66% | 7.38% | 11.65% |
| Q3 2024 | $648.7M | $588.0M | 30.08% | 7.22% | 11.57% |
| Q4 2024 | $692.2M | $609.1M | 28.56% | 7.39% | 11.64% |
| Q1 2025 | $751.7M | $672.8M | 28.59% | 7.04% | 11.19% |
| Q2 2025 | $794.9M | $676.4M | 26.94% | 6.90% | 11.31% |
| Q3 2025 | $839.1M | $766.6M | 25.58% | 7.36% | 11.27% |
| Q4 2025 | $847.7M | $747.8M | 24.86% | 6.64% | 9.95% |
| Q1 2026 | $856.4M | $762.9M | 24.33% | 6.03% | 8.52% |
| Q2 2026 | $869.1M | $793.4M | 25.02% | 5.48% | 7.32% |
Beacon Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beacon Community Bank, freeSource: Call Report Schedule RC-C, 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)