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Bank of Greeleyville

Greeleyville, SC · Cert 15113 · Southeastern Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$160.1MAssets
$110.2MLoans
$144.1MDeposits
$15.6MEquity
Loan mix
65%RE $62.4M25%C&I $24.3M10%Consumer $9.8MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $111.5M23%Noninterest $32.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.15%, up 31 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.38% of loans (-15 bps YoY), with net charge-offs at 0.40%.
  • Capital: tier 1 leverage ratio of 10.62%, down 41 bps from a year ago.
  • Funding: loans stand at 76.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.29%0 bps YoY

Efficiency Ratio (YTD, annualized)

66.51%-460 bps YoY

Tier 1 Leverage Ratio

10.62%-41 bps YoY

NIM

5.62%Q2 ’245.89%Q2 ’255.77%Q2 ’26+1%+0%

Non-interest income vs. expense

3.35%Q2 ’243.37%Q2 ’253.26%Q2 ’26+7%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.04%0.55%0.84%0.92%0.90%1.12%1.15%+31 bps
Return on Equity10.80%10.93%5.68%8.76%9.48%9.18%11.27%11.69%+293 bps
Net Interest Margin4.26%4.26%4.08%4.29%4.36%4.39%4.31%4.29%0 bps
Efficiency Ratio69.44%70.02%75.17%71.11%71.10%73.40%67.91%66.51%-460 bps
Non-Interest Burden2.77%2.79%3.00%2.92%2.95%3.07%2.73%2.65%-27 bps
Growth
Asset Growth (YoY)7.18%6.93%8.88%7.26%5.10%9.39%8.44%8.22%+96 bps
Loan Growth (YoY)3.68%2.70%3.21%6.01%6.31%8.83%7.98%9.10%+309 bps
Deposit Growth (YoY)5.95%7.17%8.88%7.06%4.91%9.29%8.33%11.36%+430 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.09%0.33%0.52%0.42%0.26%0.51%0.38%-15 bps
Net Charge-Offs / Loans0.04%0.03%0.13%0.45%0.32%0.23%0.64%0.40%-5 bps
Allowance / Loans1.16%1.16%1.29%1.08%1.10%1.07%0.99%0.98%-11 bps
Allowance Coverage of NPLs2.4x12.4x3.9x2.1x2.6x4.1x1.9x2.6x+0.5x
Capital
Tier 1 Leverage Ratio11.18%11.43%10.86%11.04%11.13%11.23%10.91%10.62%-41 bps
Total Risk-Based Capital11.18%11.43%10.86%11.04%11.13%11.23%10.91%10.62%-41 bps
Equity / Assets9.69%9.67%9.57%9.56%10.03%10.02%9.82%9.73%+18 bps
Liquidity & Funding
Loans / Deposits77.90%79.77%75.47%78.08%78.94%79.43%75.22%76.49%-158 bps
Liquid Assets / Assets10.51%7.36%12.06%7.76%6.88%7.37%11.16%8.18%+42 bps
CRE / Total Capitaln/an/an/an/a145.07%162.11%160.46%n/an/a