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The Lender Report built this page from public records. Beacon Community Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Beacon Community Bank itself. Each figure shows its source and date. Work at Beacon Community Bank? You can claim this page for free.
Bank, Mount Pleasant, SC
Beacon Community Bank
Beacon Community Bank no longer files under this name. FDIC records show it merged into Coastal Carolina National Bank on October 1, 2026. Before that it made 6 multifamily loans in 2025, at a typical size of $3.7M, and 18 SBA 7(a) loans since October 2023.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $341M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 6
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 18
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $982M
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 2347 Highway 17n, Mount Pleasant, SC 29466FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 1, 2026 | Merged into Coastal Carolina National Bank on October 1, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 1.2% to $151.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 2.8% to $65.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | North Carolina | SBA 7(a), Automotive Parts and Accessories Retailers | $920K | 8.75% | 14 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), Fitness and Recreational Sports Centers | $740K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Insurance Agencies and Brokerages | $1.2M | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | South Carolina | SBA 7(a), RV (Recreational Vehicle) Parks and Campgrounds | $3.6M | 9% | 26 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Insurance Agencies and Brokerages | $1.4M | 9.25% | 10 yr | SBA FOIA | |
| May 2026 | South Carolina | SBA 7(a), All Other Home Furnishings Retailers | $100K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Texas | SBA 7(a), Insurance Agencies and Brokerages | $2.6M | 9.25% | 10 yr | SBA FOIA | |
| 2025 | Berkeley County, SC | Purchase, 5 to 24 units | $9.1M | HMDA 2025 | |||
| 2025 | Charleston County, SC | Purchase, 5 to 24 units | $3.9M | HMDA 2025 | |||
| 2025 | Mecklenburg County, NC | Cash-out refinance, 25 to 49 units | $3.8M | HMDA 2025 | |||
| 2025 | Charleston County, SC | Cash-out refinance, 25 to 49 units | $3.7M | HMDA 2025 | |||
| 2025 | Charleston County, SC | Purchase, 5 to 24 units | $3.4M | HMDA 2025 | |||
| 2025 | Charleston County, SC | Improvement, 5 to 24 units | $300K | HMDA 2025 | |||
| Sep 2025 | South Carolina | SBA 7(a), Pet Care (except Veterinary) Services | $580K | 10% | 10 yr | SBA FOIA | |
| Aug 2025 | South Carolina | SBA 7(a), Limited-Service Restaurants | $360K | 10% | 10 yr | SBA FOIA | |
| Jul 2025 | South Carolina | SBA 7(a), Accommodation and Food Services | $1.4M | 9.75% | 10 yr | SBA FOIA | |
| Apr 2025 | South Carolina | SBA 7(a), Other Personal Care Services | $100K | 10.25% | 10 yr | SBA FOIA | |
| Mar 2025 | South Carolina | SBA 7(a), Wholesale Trade | $460K | 10% | 10 yr | SBA FOIA | |
| Mar 2025 | South Carolina | SBA 7(a), Professional, Scientific, and Technical Services | $350K | 10% | 10 yr | SBA FOIA | |
| Mar 2025 | South Carolina | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $200K | 10.25% | 10 yr | SBA FOIA | |
| 2024 | Charleston County, SC | Purchase, 5 to 24 units | $2M | HMDA 2024 | |||
| 2024 | Charleston County, SC | Cash-out refinance, 5 to 24 units | $1.9M | HMDA 2024 | |||
| 2024 | Orangeburg County, SC | Purchase, 25 to 49 units | $1.5M | HMDA 2024 | |||
| 2024 | Charleston County, SC | Cash-out refinance, 5 to 24 units | $1M | HMDA 2024 | |||
| 2024 | Dorchester County, SC | Purchase, 5 to 24 units | $640K | HMDA 2024 | |||
| 18 SBA 7(a) loans since October 2023, net of cancelled | $16.6M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $12.5M | 1.4% | -19.1% |
| Construction and land development | $63.6M | 7.3% | -5.3% |
| Owner-occupied CRE | $65.9M | 7.6% | +2.8% |
| Non-owner-occupied CRE | $152M | 17.4% | +1.2% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $47.6M | 5.5% | -13.1% |
| Commercial total | $341M |
Reference only: $464M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $265M |
| Q4 2023 | $280M |
| Q1 2024 | $285M |
| Q2 2024 | $297M |
| Q3 2024 | $303M |
| Q4 2024 | $321M |
| Q1 2025 | $344M |
| Q2 2025 | $351M |
| Q3 2025 | $361M |
| Q4 2025 | $350M |
| Q1 2026 | $344M |
| Q2 2026 | $341M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 6 | $24.1M | $3.73M | $9.1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 6 | $7.47M | $1.25M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 16 | $15.9M | $645K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 18 | $16.6M | $592K | $3.6M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 7 | $10.5M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Beacon Community Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $29,256,000 for 1-4 family residential construction and $21,223,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $8,014,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 240 | $9.78M |
| Over $100,000 up to $250,000 | 82 | $8.02M |
| Over $250,000 up to $1 million | 34 | $10.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 5 | $219K |
| Over $100,000 up to $250,000 | 9 | $1.40M |
| Over $250,000 up to $1 million | 73 | $37.0M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| South Carolina HQ | 1 | 5 | 14 | 12 | 0 |
| North Carolina | 0 | 1 | 1 | 2 | 0 |
| Florida | 0 | 0 | 0 | 2 | 0 |
| Georgia | 0 | 0 | 1 | 1 | 0 |
| Texas | 0 | 0 | 0 | 1 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Charleston County, SC | 8 | $16.6M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Charleston-North Charleston, SC | 10 | $26.4M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Beacon Community Bank has 6 offices in 2 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 6 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Charleston County, SC | 5 | 0 |
| Berkeley County, SC | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 51 days, median of 14
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Beacon Community Bank, FDIC certificate 59106. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 46 recorded loans from HMDA and SBA files, through September 30, 2026: 6 HMDA multifamily 2025, 6 HMDA multifamily 2024, 16 HMDA 1-4 unit investor 2025, 18 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to Beacon Community Bank]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 59106
- RSSD
- 5136959
- LEI
- 54930001MKJOJMNEHA19
- The Lender Report ID
- lr_001568
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $982.3M in total assets as of June 30, 2026 (FDIC call report).
- Held $341.2M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $151.6M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 1.2% from a year earlier (FDIC call report).
- Held $65.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.8% from a year earlier (FDIC call report).
- Held $63.6M of construction and land loans as of June 30, 2026 (FDIC call report).
- Originated 6 multifamily loans totaling $24.1M in 2025 (HMDA).
8 more sentences
- Originated 6 multifamily loans totaling $7.5M in 2024 (HMDA).
- Originated 16 1-4 unit investor or business-purpose loans totaling $15.9M in 2025 (HMDA).
- Recorded 20 SBA 7(a) approvals totaling $17.6M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $4.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Merged into Coastal Carolina National Bank on October 1, 2026. Source: FDIC records.
- Held 356 commercial and industrial loans that were $1 million or less when made, with a balance of $27.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 87 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $38.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $29.3M for 1-4 family and $21.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Beacon Community Bank, https://lender.report/lender/beacon-community-bank-sc/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem