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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

Beacon Community Bank

Mount Pleasant, South Carolina · $982M in assets · beside the 11 other South Carolina banks between $300M and $1B

The filing

0.48%
ROA
12th of 12
251.8%
CRE / capital
12th of 12
109.5%
Loans / deposits
11th of 12

Beacon Community Bank is the largest of the 12 South Carolina banks nearest its size between $300M and $1B, with $982M in assets at 30 June 2026. Loans are 109.5% of deposits, 11th of 12 against a median of 72.4%, and equity is 8.0% of assets, 10th of 12. Loans grew +9.3% in the year, 6th of 12, and deposits grew 17.3%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.02% of the book, 3rd of 12 against a median of 0.37%; 0.32% is 30 to 89 days past due, and the allowance covers them 56.4 times. Commercial real estate is 26.2% of loans, 6th of 12 against a median of 26.3%, and 252% of capital, below the 300% screen, with construction at 70% against the 100% screen.

Return on assets is 0.48%, the lowest in the cohort against a median of 1.47%, on an efficiency ratio of 71.9%, 11th of 12. Five years ago it was 1.57%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsSC banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.47% EB Enterprise Bank of South Carolina 5.94% CB Carolina Bank & Trust Co. 1.88% FP First Piedmont Federal Savings & Loan Association Gaffney 1.76% PB Peoples Bank 1.62% Bo Bank of South Carolina 1.60% Bo Bank of Clarendon 1.51% C Countybank 1.42% AS Arthur State Bank 1.13% OB Optus Bank 0.97% PS Palmetto State Bank 0.95% OF Oconee Federal Savings & Loan Association 0.74% BC Beacon Community Bank 0.48%
Loans, year over yearSC banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +7.7% OB Optus Bank +17.3% PS Palmetto State Bank +12.0% EB Enterprise Bank of South Carolina +11.2% Bo Bank of Clarendon +10.5% PB Peoples Bank +9.9% BC Beacon Community Bank +9.3% AS Arthur State Bank +6.0% FP First Piedmont Federal Savings & Loan Association Gaffney +4.4% OF Oconee Federal Savings & Loan Association +3.6% CB Carolina Bank & Trust Co. +3.4% Bo Bank of South Carolina +1.9% C Countybank -1.1%

SBA 7(a), FY2008 to FY2026

Beacon Community Bank is the 113th largest 7(a) lender into South Carolina of 275, with $5M across 12 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $445M). Every market on its book has had an approval since FY2023.

Where it lends in South Carolina, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Charleston, SC$4M46th of 1120.6%thin
Tarrant, TX$3M162nd of 2810.1%thin
Beaufort, SC$2M40th of 820.5%thin
Fulton, GA$1M133rd of 2110.0%thin
Gaston, NC$400K56th of 760.2%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Finance & insurance1$3M26.8%0.04%243rd of 1,111
Accommodation & food services3$2M23.8%0.00%1180th of 2,596
Retail trade2$2M15.8%0.00%1317th of 2,589
Health care & social assistance3$1M14.1%0.00%1022nd of 2,172
Other services3$891K9.1%0.00%1222nd of 2,248
7(a) lenders into South Carolina, share of approvals since FY2008275 lenders on record; the ten largest and Beacon Community Bank
LO Live Oak Banking Company 8.3% $445M · 363 loans PB Pinnacle Bank 6.9% $367M · 370 loans TB TD Bank, National Association 6.2% $328M · 1,306 loans UC United Community Bank 4.7% $253M · 280 loans WF Wells Fargo Bank National Associa… 4.2% $222M · 1,020 loans TH The Huntington National Bank 3.5% $185M · 352 loans G Gbank 3.2% $172M · 65 loans C Countybank 3.1% $166M · 181 loans TB Truist Bank 2.7% $145M · 423 loans SB Southstate Bank, National Associa… 2.3% $124M · 203 loans BC Beacon Community Bank 0.1% $5M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Beacon Community BankRankCohort median
Total CRE against capital, the 300% screen252%12th of 12129%
Construction against capital, the 100% screen70%9th of 1245%
Construction and land development, share of loans7.3%4th of 129.5%
Non-owner-occupied nonfarm nonresidential, share of loans17.4%9th of 1211.9%
Total CRE, the guidance definition, share of loans26.2%6th of 1226.3%
CRE growth over 36 months, the third prong+44.8%9th of 12+32.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Beacon Community Bank$982M0.5%71.9%0.02%0.06%1.0%109.5%8.0%
Carolina Bank & Trust Co.$845M1.9%43.2%0.41%0.19%1.3%83.4%13.1%
Arthur State Bank$832M1.1%70.1%0.60%0.01%1.0%90.2%6.8%
Optus Bank$764M1.0%55.8%0.94%0.03%0.5%70.5%12.8%
Countybank$733M1.4%76.1%0.44%-0.02%0.8%66.0%6.2%
Oconee Federal Savings & Loan Association$679M0.7%61.2%0.33%0.00%0.7%87.4%12.3%
Palmetto State Bank$597M1.0%66.0%0.12%-0.03%1.7%47.3%13.9%
First Piedmont Federal Savings & Loan Association Gaffney$597M1.8%53.7%0.73%0.00%1.2%124.0%28.9%
Bank of South Carolina$571M1.6%56.2%0.29%0.00%1.2%74.3%10.6%
Enterprise Bank of South Carolina$535M5.9%36.7%3.64%0.11%0.7%62.2%9.1%
Peoples Bank$447M1.6%62.6%0.00%0.00%1.2%70.5%11.2%
Bank of Clarendon$438M1.5%53.0%0.01%0.01%1.0%57.9%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Beacon Community BankCohort median
20212026Change20212026Change
Loans$281M$869M+210%$286M$434M+51%
Deposits$267M$793M+198%$424M$534M+26%
NPA / loans0.00%0.02%+0.02 pts0.27%0.37%+0.10 pts
Efficiency67.3%71.9%+4.6 pts67.1%58.7%-8.5 pts
ROA1.57%0.48%-1.10 pts0.99%1.47%+0.48 pts

This read was prepared for Beacon Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Beacon Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $300M to $1B
Institution www.beacon.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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