Featured Savings Rates
Featured Accounts

Beach Community Bank

Popular Accounts at this Bank

2.28%5-year CD5 Year CD
1.74%1-year CD12 Month CD Special (No Penalty after 6 Months)
0.50%SavingsSandcastle Savings Account

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

Beach Community Bank is headquartered in Fort Walton Beac and is the 46th largest bank in the state of Florida. It is also the 1,430th largest bank in the nation. It was established in 2001 and as of December of 2017, it had grown to 109 employees at 11 locations. Beach Community Bank's CD rates are 93% higher than the national average, but it has a F health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Beach Community Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #57131
Year Established2001
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.86%
Return on Equity - YTD-25.81%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$496.0MM$518.7MM
LoansQ4 2017vs Q4 2016$319.0MM$336.9MM
DepositsQ4 2017vs Q4 2016$439.3MM$471.4MM
Equity CapitalQ4 2017vs Q4 2016$14.4MM$18.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.4MM$3.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$65.8MM$67.8MM
Real Estate OwnedQ4 2017vs Q4 2016$91.6MM$95.6MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Beach Community Bank Savings Account Rates

0.50%*$100k*-Sandcastle Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $100k
0.10%--Sand Pebbles Savings Account

Beach Community Bank Money Market Rates

1.09%$100k-Starfish Premium Money Market - Qualifying
0.75%*$100k*-Starfish Money Market Account
OTHER TIERS: 0.01% Up to $10k | 0.15% $10k - $100k

Beach Community Bank Checking Account Rates

0.25%--Emerald Beach Checking Account (Seniors 50+)
0.20%--Beach Club Checking Account

Beach Community Bank CD Rates

2.28%$1k-5 Year CD
2.05%$1k-4 Year CD
1.99%$5k-36 Month Special CD
1.95%$1k-2 Year CD
1.81%$5k-18 Month CD Special (No Penalty after 6 Months)
1.74%$5k-12 Month CD Special (No Penalty after 6 Months)
1.55%$5k-30 Month Special CD


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