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Overview / Commentary
17 Southeast Eglin Parkway
Fort Walton Beach, FL 32548

Beach Community Bank is headquartered in Fort Walton Beac and is the 41st largest bank in the state of Florida. It is also the 1,166th largest bank in the nation. It was established in 2001 and as of June of 2014, it had grown to 114 employees at 11 locations. Beach Community Bank has a F health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Beach Community Bank had $167.23 million in non-current loans and owned real-estate with $34.95 million in equity and loan loss allowances on hand to cover it. This gives Beach Community Bank a Texas Ratio of 478.49% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Beach Community Bank experienced no significant changes from 433.82% as of June 30, 2013 to 478.49% as of June 30, 2014, resulting in a negative change of 10.30%. This indicates that the balance sheet and financial strength for Beach Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Beach Community Bank has decreased its total deposits by -$20.98 million, resulting in -3.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Beach Community Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Beach Community Bank has $569.49 million in assets with $34.95 million in equity, resulting in a capitalization level of 6.14%, which is below average.

Institution Statistics

FDIC Certificate #57131
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$569.49 million
Loans$395.11 million
Deposits$505.01 million
Equity Capital$27.86 million
Loan Loss Allowance$7.09 million
Unbacked Noncurrent Loans$90.40 million
Real Estate Owned$76.84 million
Historic Data - June 2013
Assets$595.98 million
Equity Capital$31.02 million
Loan Loss Allowance$8.48 million
Unbacked Noncurrent Loans$90.40 million
Real Estate Owned$81.40 million
Profit Margin - Quarterly
Return on Assets-0.18%
Return on Equity-3.57%
Interest Income$8.46 million

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Beach Community Bank Savings Account Rates

0.45%$100k-Sandcastle Savings Account
0.17%--Sand Pebbles Savings Account

Beach Community Bank Money Market Rates

0.30%$100k-Starfish Money Market Account

Beach Community Bank Checking Account Rates

0.15%--Emerald Beach Checking Account (Seniors 50+)
0.05%--Beach Club Checking Account

Beach Community Bank CD Rates

1.49%$5k-36 Month Special CD
1.40%$1k-5 Year CD
1.35%$1k-4 Year CD
1.05%$10k$250k37 Month Special CD
1.01%$5k-13 Month Special CD
1.01%$1k-18 Month CD
0.95%$5k-30 Month Special CD
0.60%$1k-1 Year CD

Beach Community Bank has 11 locations. Click to view all Beach Community Bank locations.