Beach Community Bank

17 Southeast Eglin Parkway
Fort Walton Beach, FL 32548


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57131
Date Established 2001
Assets $0.51 billion
Loans $0.33 billion
Deposits $0.45 billion
Capital $0.02 billion

Beach Community Bank is an FDIC insured institution located in Fort Walton Beach, FL. It was founded in 2001 and has approximately $0.51 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of Beach Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Beach Community Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Florida, Beach Community Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.62
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 0.00
Construction and Development Loans 28.02
Commercial Real Estate 32.94
Commercial and Industrial Loans 7.73
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.05% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.40% $1,000 - Learn MoreShow Less
Special: 13 Mo FIRA
1.25% $5,000 - Learn MoreShow Less
Special: 24 Mo FIRA
1.30% $5,000 - Learn MoreShow Less
Special: 36 Mo FIRA
1.60% $5,000 - Learn MoreShow Less
0.01% $1 $9,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Beach Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Beach Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beach Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Beach Community Bank U.S. Bank Average
778.37% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Beach Community Bank had $69,823,000 in non-current loans and $94,521,000 in owned real estate. To cover these potential losses it had $17,782,000 in equity and $3,332,000 in loans loss reserves. That gives it a Texas Ratio of 778.37%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Beach Community Bank U.S. Bank Average
-22.75% 8.39%

Beach Community Bank has a Return on Equity of -22.75% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Beach Community Bank U.S. Bank Average
3.52% 11.94%

Beach Community Bank has a Capitalization of 3.52% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Beach Community Bank Balance Sheet Analysis

As of March 31, 2017, Beach Community Bank had assets of $505,599,000, loans of $327,543,000, and deposits of $451,292,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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