Beach Community Bank

17 Southeast Eglin Parkway
Fort Walton Beach, FL 32548

Overview

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.58
Multifamily
Mortgages
5.00
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 14.05
Construction and Development Loans 28.12
Commercial Real Estate 32.35
Commercial and Industrial Loans 7.28
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
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 Rates APY MIN MAX
Fixed IRA 0K
0.40% $1,000 - Learn MoreShow Less
Special: 13 Mo FIRA
1.30% $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
MM Rates APY MIN MAX
MM 2.5K
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

There are currently no loan rates available for Beach Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Beach Community Bank
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Branches

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.

Your Location:
Ashburn,Virginia


Beach Community Bank Locations

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 BestCashCow.com 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
776.94% 8.45

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 June 30, 2017, Beach Community Bank had $69,127,000 in non-current loans and $92,227,000 in owned real estate. To cover these potential losses it had $17,757,000 in equity and $3,011,000 in loans loss reserves. That gives it a Texas Ratio of 776.94%. 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
-13.27% 8.58

Beach Community Bank has a Return on Equity of -13.27% versus the BestCashCow average of 8.58. 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.

Capitalization
Beach Community Bank U.S. Bank Average
3.49% 12.11

Beach Community Bank has a Capitalization of 3.49% versus the BestCashCow average of 12.11. 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 June 30, 2017, Beach Community Bank had assets of $508,979,000, loans of $329,914,000, and deposits of $452,328,000. 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.

Frequently Asked Questions About Beach Community Bank

Branches and Savings

Is Beach Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57131.

Why does Beach Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Beach Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Beach Community Bank a commercial bank?

Yes

Where are Beach Community Bank locations?

See branch locations nearby.

Is Beach Community Bank open on Saturdays?

Is Beach Community Bank open on Sundays?

What time does Beach Community Bank open?

What time does Beach Community Bank close?

Are Beach Community Bank ATMs Open 24/7?

Do Beach Community Bank ATMs accept cash deposits?

Can Beach Community Bank customers use other ATMs?

Do Beach Community Bank branches have notaries?

Will Beach Community Bank notarize my document?

What address for Beach Community Bank should I put for incoming ACH transfers?

Will the Beach Community Bank branch print checks?

Do Beach Community Bank checks expire?

Does Beach Community Bank require US citizenship to open account?

Can Beach Community Bank close my account?

Does Beach Community Bank Report to credit bureaus?

Does Beach Community Bank Use Equifax?

What is Beach Community Bank's ACH Routing Number?

What is Beach Community Bank's SWIFT code?

Products

Does Beach Community Bank offer mortgages?

Compare mortgage rates here.

Does Beach Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beach Community Bank offer personal loans?

Compare personal loan rates here.

Does Beach Community Bank offer student loans?

Will Beach Community Bank cash a check?

Will Beach Community Bank redeem a savings bond?

Does Beach Community Bank cash savings bonds?

Will Beach Community Bank cash money orders?

Can Beach Community Bank issue a money order?

Does Beach Community Bank do currency exchange?

Background on The Bank

Who owns Beach Community Bank?

How long has Beach Community Bank been around?

Can Beach Community Bank transfer to other banks?

Does Beach Community Bank have quick pay?

Does Beach Community Bank accept rolled coins?

Will Beach Community Bank accept loose change?

Where is Beach Community Bank headquarters?

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