BlastPoint's Banking Scorecard
Beacon Community Bank
$100M-$1B
Specialty: Commercial
SC
FDIC cert 59106
Mount Pleasant, SC
6 branches across SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
- Deposits +17.3% year over year ($793.4M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.47%.
- Efficiency ratio 71.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 108.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
27 in SC
View $100M-$1B leaderboard (SC) →
Beacon Community Bank has 1 strength but faces 4 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.39% below tier average
- - Loan-to-Deposit Ratio 30.50% above tier average
- - ROA 0.85% below tier average
- - Efficiency Ratio 7.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$982.3M
+11.9% YoY
+1.1% QoQ
|
+$595.7M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
Top 0.7% in tier |
| Total Loans ? |
$860.4M
+9.1% YoY
+1.5% QoQ
|
+$602.0M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Top 0.1% in tier |
| Total Deposits ? |
$793.4M
+17.3% YoY
+4.0% QoQ
|
+$466.6M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Top 2.5% in tier |
| Return on Assets ? |
0.47%
+13.7% YoY
-9.9% QoQ
|
-0.85% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.5% in tier |
| Net Interest Margin ? |
2.60%
+2.4% YoY
+2.9% QoQ
|
-1.39% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio ? |
71.94%
-6.2% YoY
+2.5% QoQ
|
+7.46% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.02%
-53.0% YoY
+107.9% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
108.45%
-7.0% YoY
-2.4% QoQ
|
+30.50% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.95%
-1.3% YoY
+10.7% QoQ
|
-9.08% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.02%
-54.1% YoY
+108.7% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
10.82%
+16.3% YoY
+0.9% QoQ
|
-5.09% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.09%
+12.6% YoY
+176.4% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.9%
-0.2pp YoY +1.2pp QoQ |
-9.2pp | 22.1% | 21.7% | 22.2% | 17% |
| Brokered Deposits |
5.9%
-2.5pp YoY -0.2pp QoQ |
-1.9pp | 7.9% | 10.6% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.5%
-1.4pp YoY -0.6pp QoQ |
-6.0pp | 11.6% | 9.8% | 12.5% | 23% |
| CRE |
34.1%
-3.5pp YoY -0.4pp QoQ |
-5.4pp | 39.5% | 43.3% | 41.4% | 42% |
| 1-4 Family |
54.0%
+9.2pp YoY +2.2pp QoQ |
+21.3pp | 32.6% | 44.4% | 31.3% | 86% |
| Consumer |
7.4%
-4.0pp YoY -1.2pp QoQ |
+3.3pp | 4.1% | 4.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.8%
+2.8pp YoY +0.1pp QoQ |
-8.0pp | 18.8% | 18.1% | 19.7% | 7% |
| Leverage Ratio |
8.5%
+0.5pp YoY -0.2pp QoQ |
-3.7pp | 12.2% | 12.3% | 12.6% | 6% |
| Total Capital Ratio |
12.0%
+1.8pp YoY +0.1pp QoQ |
-7.9pp | 19.9% | 19.1% | 20.8% | 7% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
78
+5 (+6.8%) YoY -2 (-2.5%) QoQ |
+19 | 58 | 174 | 482 | 76% |
| Assets per Employee ($) |
$12.6M
+4.7% YoY +3.7% QoQ |
+$5.1M | $7.5M | $7.8M | $8.8M | 94% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 12 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.5% | 1.0% | 5% |
| Allowance Coverage |
56.44x
+167.2% YoY -52.1% QoQ |
+32.28x | 24.15x | 15.59x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
+0.2pp YoY -0.7pp QoQ |
-6.3pp | 12.2% | 11.7% | 11.6% | 17% |
| Cost of Funds (YTD) |
2.9%
-0.2pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.6% | 1.7% | 97% |
| Net Income ($, YTD) |
$2.3M
+32.9% YoY — QoQ |
-$265K | $2.6M | $9.6M | $40.4M | 58% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (5 metrics)
2
Total Loans
size
Value:
$860.39M
Peer Median: $258.35M
#2 of 2643
Top 0.1% in $100M-$1B
19
Total Assets
size
Value:
$982.30M
Peer Median: $386.57M
#19 of 2643
Top 0.7% in $100M-$1B
67
Total Deposits
size
Value:
$793.35M
Peer Median: $326.73M
#67 of 2643
Top 2.5% in $100M-$1B
401
Nonperforming Asset Ratio
credit_quality
Value:
0.02%
Peer Median: 0.67%
#401 of 2643
Top 15.1% in $100M-$1B
413
Delinquency Rate
credit_quality
Value:
0.02%
Peer Median: 0.92%
#413 of 2633
Top 15.6% in $100M-$1B
Top Weaknesses (6 metrics)
2550
Net Interest Margin
profitability
Value:
2.60%
Peer Median: 3.99%
#2550 of 2643
Bottom 3.6% in $100M-$1B
2543
Loan-to-Deposit Ratio
liquidity
Value:
108.45%
Peer Median: 77.95%
#2543 of 2643
Bottom 3.8% in $100M-$1B
2340
Return on Assets
profitability
Value:
0.47%
Peer Median: 1.32%
#2340 of 2643
Bottom 11.5% in $100M-$1B
2253
Non-Interest Income / Assets
revenue_mix
Value:
0.09%
Peer Median: 0.57%
#2253 of 2643
Bottom 14.8% in $100M-$1B
2186
Non-Interest-Bearing Deposit Share
funding
Value:
12.95%
Peer Median: 22.03%
#2186 of 2643
Bottom 17.3% in $100M-$1B
2094
Tier 1 Capital Ratio
capital
Value:
10.82%
Peer Median: 15.91%
#2094 of 2643
Bottom 20.8% in $100M-$1B