Arthur State Bank
Union, SC · Cert 15085 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jco Ventures LLC
State charter, non-member · FDIC · 19 branches
Q2 2026
$831.9MAssets
$619.1MLoans
$686.1MDeposits
$56.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets operating in a single state (rank 82 of 746).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 707 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 345 of 746
Net Interest Margin
4.25%
Rank 161 of 746
Efficiency Ratio
70.07%
Rank 465 of 746
Equity / Assets
6.80%
Rank 707 of 746
Non-interest income vs. expense
Unfavorable gap of $22.2M · efficiency ratio beats 38% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 54% | 345 / 746 | |
| Return on Equity | 16.37% | 6.74% | 10.51% | 13.63% | Beats 89% | 82 / 746 | |
| Net Interest Margin | 4.25% | 3.17% | 3.68% | 4.16% | Beats 78% | 161 / 746 | |
| Efficiency Ratio | 70.07% | 55.74% | 64.58% | 75.47% | Beats 38% | 465 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.09% | 0.42% | 1.07% | Beats 43% | 428 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 364 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.55% | 13.75% | 17.60% | Beats 33% | 501 / 746 | |
| Total Risk-Based Capital Ratio | 13.35% | 11.71% | 14.33% | 18.43% | Beats 41% | 438 / 746 | |
| Equity / Assets | 6.80% | 8.90% | 10.51% | 13.06% | Beats 5% | 707 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 90.23% | 61.31% | 78.27% | 90.78% | 74th pctl | 195 / 746 | |
| Loans / Assets | 74.42% | 53.60% | 66.97% | 76.08% | 69th pctl | 229 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |