BlastPoint's Banking Scorecard
Beacon Community Bank
Mount Pleasant, SC
6 branches across SC
Beacon Community Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.41% below tier average
- - Loan-to-Deposit Ratio 34.50% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.75% below tier average
- - Efficiency Ratio 4.90% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$971.7M
+16.1% YoY
+0.8% QoQ
|
+$585.6M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
Top 0.9% in tier |
| Total Loans ? |
$847.8M
+13.7% YoY
+1.0% QoQ
|
+$592.1M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 0.1% in tier |
| Total Deposits ? |
$762.9M
+13.4% YoY
+2.0% QoQ
|
+$434.9M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
Top 4.0% in tier |
| Return on Assets ? |
0.52%
+31.2% YoY
+36.1% QoQ
|
-0.75% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.6% in tier |
| Net Interest Margin ? |
2.52%
+3.3% YoY
-2.3% QoQ
|
-1.41% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio ? |
70.19%
-11.5% YoY
-0.8% QoQ
|
+4.90% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.01%
-78.6% YoY
+47.5% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
Top 13.6% in tier |
| Loan-to-Deposit Ratio ? |
111.14%
+0.3% YoY
-1.0% QoQ
|
+34.50% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.70%
+1.9% YoY
+10.0% QoQ
|
-10.32% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.3% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-79.0% YoY
+47.8% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
Top 13.3% in tier |
| Tier 1 Capital Ratio ? |
10.72%
+14.3% YoY
+3.4% QoQ
|
-5.11% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.03%
-19.2% YoY
-84.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.7% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.