# BEACON COMMUNITY BANK
MOUNT PLEASANT, SC · FDIC certificate 59106 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $982.3M | |
| Deposits | $793.4M | |
| Loans and leases | $869.1M | |
| Total equity | $78.4M | |
| Loans / deposits | 108.45% (p96 of band) | 82.04% |
| Liquid assets / assets | 9.38% (p3 of band) | |
| Uninsured deposits / deposits | 39.69% (p87 of band) | 25.97% |
| Brokered deposits | 4.80% | |
| Wholesale funding | 15.23% (p87 of band) | |
| FHLB advances / assets | 7.38% | |
| Tier 1 leverage | 8.46% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -5.25% (p61 of band) | -8.10% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 0.47% (p11 of band) | 1.28% |
| Net interest margin | 2.60% (p4 of band) | 3.91% |
| Efficiency ratio | 71.94% (p77 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 5643.51% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 81.17% (p78 of band) | |
| Auto loans | $63.5M (7.31% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 4 | capital falling | NIM <2.5% |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2020-09 | 6 | liquid assets <10% |  |
| 2020-12 | 5 | construction >100% equity | expense ratio p90, liquid assets <10% |
| 2021-03 | 3 |  | losing money, wholesale funding >15% |
| 2021-06 | 2 |  | construction >100% equity |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 4 | liquid assets <10%, construction >100% equity |  |
| 2023-03 | 2 |  | capital falling, construction >100% equity |
| 2023-06 | 3 | wholesale funding >15% |  |
| 2023-09 | 2 | capital falling | liquid assets <10%, wholesale funding >15% |
| 2023-12 | 3 | wholesale funding >15% |  |
| 2024-03 | 6 | liquid assets <10%, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | expense ratio p90 |
| 2024-12 | 5 | construction >100% equity | capital falling |
| 2025-03 | 4 |  | construction >100% equity |
| 2025-06 | 4 | construction >100% equity | NIM <2.5% |
| 2025-09 | 3 |  | construction >100% equity |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59106 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "59106", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide