Beacon Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Beacon Community Bank of Mount Pleasant, SC against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.43% | 1.25% | -0.82% | 10th bottom |
| ROAE | 5.27% | 12.22% | -6.95% | 14th bottom |
| Net Interest Margin | 2.67% | 3.95% | -1.28% | 4th bottom |
| Efficiency Ratio | 73.53% | 63.71% | +9.82% | 21st bottom |
| PPNR / Avg Assets | 0.75% | — | — | 13th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.67% | -0.06% | 50th above |
| Cost of Funds | 3.19% | 1.87% | +1.32% | 3rd bottom |
| Net Interest Spread | 2.12% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 84th top |
| NPA / Total Assets | 0.02% | — | — | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.15% | -0.03% | 17th bottom |
| ACL / Total Loans | 1.00% | — | — | 26th below |
| ACL / NPLs (Coverage) | 5643.51% | — | — | — |
| Texas Ratio | 0.18% | 5.96% | -5.78% | 83rd top |
| Provision / NCO | 134.48% | — | — | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.82% | 17.18% | -6.36% | 7th bottom |
| Tier 1 Ratio | 10.82% | 17.21% | -6.39% | 7th bottom |
| Total Capital Ratio | 12.02% | — | — | 7th bottom |
| Leverage Ratio | 8.46% | 11.75% | -3.29% | 6th bottom |
| Equity / Assets | 7.98% | 10.98% | -3.00% | 13th bottom |
| TCE / Tangible Assets | 7.98% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.54% | 80.44% | +29.10% | 4th bottom |
| Core Deposit Ratio | 83.64% | 86.95% | -3.31% | 26th below |
| Wholesale Funding Ratio | 10.43% | — | — | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.87% | — | — | 87th top |
| Loan Growth (Y/Y) | 9.34% | — | — | 71st above |
| Deposit Growth (Y/Y) | 17.29% | — | — | 93rd top |
See Beacon Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Beacon Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Beacon Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Beacon Community Bank peer analysis.