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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.63% | 0.66% | 0.56% | 0.63% | +3 bps | |
| Return on Equity | 7.91% | 8.09% | 8.36% | 6.99% | 7.77% | -14 bps | |
| Net Interest Margin | 2.73% | 2.78% | 2.82% | 2.72% | 2.76% | +4 bps | |
| Efficiency Ratio | 76.11% | 75.64% | 75.25% | 77.22% | 75.04% | -106 bps | |
| Non-Interest Burden | 1.94% | 1.97% | 1.99% | 1.99% | 1.96% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.53% | 5.10% | 3.82% | 10.71% | 8.94% | +341 bps | |
| Loan Growth (YoY) | 6.88% | 8.10% | 12.59% | 6.70% | 6.75% | -13 bps | |
| Deposit Growth (YoY) | 4.64% | 4.30% | -0.58% | 7.22% | 5.27% | +63 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.65% | 0.73% | 0.93% | 0.79% | 0.75% | +11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.04% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.26% | 1.24% | 1.13% | 1.16% | 1.13% | -14 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 1.2x | 1.5x | 1.5x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.30% | 13.32% | 13.51% | 12.79% | 12.65% | -65 bps | |
| Total Risk-Based Capital | 30.71% | 30.64% | 29.85% | 30.95% | 12.65% | -1,806 bps | |
| Equity / Assets | 7.84% | 8.20% | 8.35% | 7.80% | 8.21% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.16% | 40.86% | 43.76% | 38.45% | 40.72% | +56 bps | |
| Liquid Assets / Assets | 52.62% | 52.30% | 51.46% | 56.43% | 53.47% | +85 bps | |
| CRE / Total Capital | n/a | 77.83% | 84.89% | 73.16% | n/a | n/a | |