Beach Community Bank

Popular Accounts at this Bank

2.40%5-year CD60 Month Special CD (No Penalty after 12 Months)
1.81%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 44th largest bank in the state of Florida. It is also the 1,493rd largest bank in the nation. It was established in 2001 and as of March of 2018, it had grown to 110 employees at 11 locations. Beach Community Bank's CD rates are 2X 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-1.06%
Return on Equity - YTD-37.53%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$475.5MM$505.6MM
LoansQ1 2018vs Q1 2017$313.3MM$327.5MM
DepositsQ1 2018vs Q1 2017$411.6MM$451.3MM
Equity CapitalQ1 2018vs Q1 2017$13.0MM$17.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.7MM$3.3MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$64.5MM$67.0MM
Real Estate OwnedQ1 2018vs Q1 2017$91.4MM$94.5MM
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Always verify rates and promotions with the bank or credit union. We are not Beach Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.10%*$100k*-Starfish Premium Money Market - Qualifying
OTHER TIERS: 0.01% Up to $100k
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

2.40%$1k-60 Month Special CD (No Penalty after 12 Months)
2.19%$1k-4 Year CD
2.15%$5k-36 Month Special CD (No Penalty after 12 Months)
2.01%$1k-2 Year CD
1.95%$5k-18 Month CD Special (No Penalty after 6 Months)
1.81%$5k-12 Month CD Special (No Penalty after 6 Months)
1.50%$5k-30 Month Special CD


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