Bank Safety Analysis
Beacon Community Bank: final safety record
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The biggest quarter-over-quarter change on this page was a small one: return on assets edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 0.43%. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Beacon Community Bank sits 4.26 points lower, at 10.82% (Q2 2026). From Q3 2023 to Q2 2026, Beacon Community Bank's CET1 ratio ranged between 7.64% (Q2 2024) and 10.82% (Q2 2026) and its Texas ratio ranged between 0.00% (Q4 2024) and 0.45% (Q1 2025). Between Q2 2025 and Q2 2026, Beacon Community Bank's CET1 ratio rose from 7.99% to 10.82%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.04% to 0.02%, Texas ratio fell from 0.43% to 0.18% and return on assets held at 0.43%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 10.82% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.46% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.02% are within industry-normal range.
Texas Ratio of 0.2% is well below the 100% historical failure threshold.
Efficiency ratio of 73.5% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 10.82% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.18% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.02% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 109.54% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 252.65% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 10.82% |
| Q1 2026 | 10.72% |
| Q4 2025 | 9.12% |
| Q3 2025 | 9.21% |
| Q2 2025 | 7.99% |
| Q1 2025 | 7.99% |
| Q4 2024 | 7.81% |
| Q3 2024 | 7.78% |
| Q2 2024 | 7.64% |
| Q1 2024 | 8.04% |
| Q4 2023 | 8.34% |
| Q3 2023 | 9.03% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.18% |
| Q1 2026 | 0.08% |
| Q4 2025 | 0.06% |
| Q3 2025 | 0.07% |
| Q2 2025 | 0.43% |
| Q1 2025 | 0.45% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Beacon Community Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 10.82% | 0.02% | 0.18% | 0.43% |
| Mar 31, 2026 | 10.72% | 0.01% | 0.08% | 0.55% |
| Dec 31, 2025 | 9.12% | 0.01% | 0.06% | 0.12% |
| Sep 30, 2025 | 9.21% | 0.01% | 0.07% | 0.63% |
| Jun 30, 2025 | 7.99% | 0.04% | 0.43% | 0.43% |
| Mar 31, 2025 | 7.99% | 0.04% | 0.45% | 0.41% |
| Dec 31, 2024 | 7.81% | 0.00% | 0.00% | 0.43% |
| Sep 30, 2024 | 7.78% | 0.00% | 0.00% | 0.31% |
| Jun 30, 2024 | 7.64% | 0.00% | 0.00% | 0.24% |
| Mar 31, 2024 | 8.04% | 0.00% | 0.00% | 0.07% |
| Dec 31, 2023 | 8.34% | 0.00% | 0.00% | 0.00% |
| Sep 30, 2023 | 9.03% | 0.00% | 0.00% | 0.26% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 59106) · FFIEC NIC profile (RSSD 5136959)
Explore: Full Beacon Community Bank profile · Other banks in SC · Metric glossary · How the call report works