BlastPoint's Banking Scorecard
Beacon Community Bank
Community
Specialty: Commercial
SC
FDIC cert 59106
Mount Pleasant, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Beacon Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48% in Community
- + Loan-to-Deposit Ratio 29.16% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Return on Assets 0.78% below tier
- - Net Interest Margin 1.08% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$964.0M
+23.3% YoY
+0.7% QoQ
|
-$427.4M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$839.2M
+22.3% YoY
+0.8% QoQ
|
-$136.3M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$747.8M
+22.8% YoY
-2.5% QoQ
|
-$416.8M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.38%
+45.7% YoY
-20.3% QoQ
|
-0.78% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.58%
+9.0% YoY
+1.2% QoQ
|
-1.08% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
70.78%
-15.5% YoY
-1.9% QoQ
|
+8.15% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.01%
-13.2% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
112.22%
-0.4% YoY
+3.3% QoQ
|
+29.16% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.63%
-14.8% YoY
+2.4% QoQ
|
-10.41% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-13.1% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
10.37%
+11.3% YoY
-1.0% QoQ
|
+0.12% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.20%
+58.2% YoY
+24.2% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#179 of 371 · Top 48% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
112.22%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#2 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.38%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.22% · Tier avg: 83.06%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
60
60th pctile
Total Loans
Current: $839.2M · Tier avg: $975.5M
47
47th pctile
Total Assets
Current: $964.0M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $747.8M · Tier avg: $1.2B
32
32th pctile
Tier 1 Capital Ratio
Current: 10.37% · Tier avg: 10.24%
25
25th pctile
Efficiency Ratio
Current: 70.78% · Tier avg: 62.63%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.63% · Tier avg: 21.05%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.63% · Tier avg: 21.05%
25
25th pctile
Efficiency Ratio
Current: 70.78% · Tier avg: 62.63%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.37% · Tier avg: 10.24%
42
42th pctile
Total Deposits
Current: $747.8M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $964.0M · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $839.2M · Tier avg: $975.5M
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.22% · Tier avg: 83.06%