Honea Path, SC · Cert 14642 · Commercial Bank Shares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
48
Profitability
20
Liquidity
0
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Honea Path, SC · Cert 14642 · Commercial Bank Shares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.7% share · #20 of 40 inst. · $0.2B of $26.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.67% | 0.63% | 0.60% | 0.63% | 0.66% | 0.56% | 0.63% | +3 bps | |
| Return on Equity | 9.96% | 9.34% | 8.40% | 7.91% | 8.09% | 8.36% | 6.99% | 7.77% | -14 bps | |
| Net Interest Margin | 2.73% | 2.66% | 2.72% | 2.73% | 2.78% | 2.82% | 2.72% | 2.76% | +4 bps | |
| Efficiency Ratio | 72.01% | 73.24% | 75.08% | 76.11% | 75.64% | 75.25% | 77.22% | 75.04% | -106 bps | |
| Non-Interest Burden | 1.83% | 1.82% | 1.90% | 1.94% | 1.97% | 1.99% | 1.99% | 1.96% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | 2.28% | 5.01% | 5.53% | 5.10% | 3.82% | 10.71% | 8.94% | +341 bps | |
| Loan Growth (YoY) | 8.83% | 3.62% | 5.11% | 6.88% | 8.10% | 12.59% | 6.70% | 6.75% | -13 bps | |
| Deposit Growth (YoY) | -1.75% | 1.18% | 4.02% | 4.64% | 4.30% | -0.58% | 7.22% | 5.27% | +63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.35% | 0.41% | 0.65% | 0.73% | 0.93% | 0.79% | 0.75% | +11 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | 0.02% | 0.03% | 0.04% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.34% | 1.33% | 1.30% | 1.26% | 1.24% | 1.13% | 1.16% | 1.13% | -14 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.8x | 3.2x | 2.0x | 1.7x | 1.2x | 1.5x | 1.5x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.65% | 13.43% | 13.31% | 13.30% | 13.32% | 13.51% | 12.79% | 12.65% | -65 bps | |
| Total Risk-Based Capital | 27.96% | 30.23% | 30.14% | 30.71% | 30.64% | 29.85% | 30.95% | 12.65% | -1,806 bps | |
| Equity / Assets | 7.48% | 7.52% | 7.57% | 7.84% | 8.20% | 8.35% | 7.80% | 8.21% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.43% | 38.64% | 38.64% | 40.16% | 40.86% | 43.76% | 38.45% | 40.72% | +56 bps | |
| Liquid Assets / Assets | 55.50% | 55.69% | 54.90% | 52.62% | 52.30% | 51.46% | 56.43% | 53.47% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.83% | 84.89% | 73.16% | n/a | n/a | |
Honea Path, SC · Cert 14642 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commercial Bank Shares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.62%
Rank 599 of 746
Net Interest Margin
2.76%
Rank 670 of 746
Efficiency Ratio
75.04%
Rank 555 of 746
Equity / Assets
8.21%
Rank 630 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.72% | 1.06% | 1.45% | Beats 20% | 599 / 746 | ||
| Return on Equity | 7.54% | 6.74% | 10.51% | 13.63% | Beats 30% | 520 / 746 | ||
| Net Interest Margin | 2.76% | 3.17% | 3.68% | 4.16% | Beats 10% | 670 / 746 | ||
| Efficiency Ratio | 75.04% | 55.74% | 64.58% | 75.47% | Beats 26% | 555 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.07% | Beats 34% | 488 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 61% | 296 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.65% | 11.55% | 13.75% | 17.60% | Beats 37% | 468 / 746 | ||
| Total Risk-Based Capital Ratio | 12.65% | 11.71% | 14.33% | 18.43% | Beats 33% | 497 / 746 | ||
| Equity / Assets | 8.21% | 8.90% | 10.51% | 13.06% | Beats 16% | 630 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.72% | 61.31% | 78.27% | 90.78% | 5th pctl | 706 / 746 | ||
| Loans / Assets | 36.02% | 53.60% | 66.97% | 76.08% | 6th pctl | 701 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||