Beacon Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.72 percentage points lower than in Q1 2026, at 109.54%. Within South Carolina, Beacon Community Bank is 39th of 44 on return on assets, 0.43% as of Q2 2026. Beacon Community Bank's return on assets of 0.43% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 8.46% |
| Equity capital to assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 5643.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 5.27% |
| Net interest margin | 2.67% |
| Efficiency ratio | 73.53% |
| Yield on earning assets | 5.61% |
| Cost of funds | 3.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.54% |
| Core deposits to total deposits | 83.64% |
| Brokered deposits to total deposits | 5.94% |
| Deposits to assets | 80.76% |
| Securities to assets | 2.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.03% | 11.00% | 12.15% | 8.78% | 0.26% |
| Q4 2023 | 8.34% | 10.15% | 11.21% | 8.44% | 0.00% |
| Q1 2024 | 8.04% | 9.78% | 10.79% | 8.26% | 0.07% |
| Q2 2024 | 7.64% | 9.28% | 10.27% | 8.01% | 0.24% |
| Q3 2024 | 7.78% | 9.37% | 10.34% | 7.78% | 0.31% |
| Q4 2024 | 7.81% | 9.32% | 10.24% | 7.96% | 0.43% |
| Q1 2025 | 7.99% | 9.38% | 10.25% | 8.14% | 0.41% |
| Q2 2025 | 7.99% | 9.30% | 10.18% | 7.99% | 0.43% |
| Q3 2025 | 9.21% | 10.48% | 11.41% | 8.88% | 0.63% |
| Q4 2025 | 9.12% | 10.37% | 11.52% | 8.37% | 0.12% |
| Q1 2026 | 10.72% | 10.72% | 11.91% | 8.70% | 0.55% |
| Q2 2026 | 10.82% | 10.82% | 12.02% | 8.46% | 0.43% |
Beacon Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beacon Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)