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Bank of Clarendon, The

Manning, SC · Cert 15671 · Bancshares of Carolina Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Clarendon, The

Manning, SC · Cert 15671 · Bancshares of Carolina Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$438.3MAssets
$223.9MLoans
$387.0MDeposits
$47.8MEquity
Loan mix
85%RE $183.2M11%C&I $23.1M5%Consumer $9.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $275.5M29%Noninterest $111.6MQ2 2025Q2 2026

NIM

4.22%Q2 ’244.42%Q2 ’254.50%Q2 ’26+6%+6%

Non-interest income vs. expense

2.34%Q2 ’242.26%Q2 ’252.25%Q2 ’26-12%-4%

Market Position · Sumter, SC · 2026 SOD (annual) · 8.6% share · #5 of 8 inst. · $0.1B of $1.2B

51.0% Clarendon
8.6% Sumter
2.2% Orangeburg

Executive Summary

  • Earnings: ROA of 1.54%, up 21 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.66%, down 71 bps from a year ago.
  • Funding: loans stand at 57.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+22 bps YoY

Efficiency Ratio (YTD, annualized)

52.99%-381 bps YoY

Tier 1 Leverage Ratio

11.66%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.34%1.30%1.40%1.54%+21 bps
Return on Equity12.47%12.31%12.05%13.62%14.66%+219 bps
Net Interest Margin3.35%3.42%3.39%3.48%3.57%+22 bps
Efficiency Ratio56.81%56.86%58.81%54.85%52.99%-381 bps
Non-Interest Burden1.64%1.68%1.72%1.63%1.58%-6 bps
Growth
Asset Growth (YoY)8.24%6.44%6.90%8.02%4.05%-419 bps
Loan Growth (YoY)6.40%5.85%9.22%12.00%10.52%+412 bps
Deposit Growth (YoY)7.67%6.13%6.93%8.69%4.12%-355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.01%+1 bps
Allowance / Loans0.92%0.92%0.98%0.98%1.00%+8 bps
Allowance Coverage of NPLs932.5x633.3xn/a72.7x150.0x-782.5x
Capital
Tier 1 Leverage Ratio12.37%12.64%11.46%11.32%11.66%-71 bps
Total Risk-Based Capital12.37%12.64%11.46%11.32%11.66%-71 bps
Equity / Assets10.99%11.49%10.31%10.24%10.90%-9 bps
Liquidity & Funding
Loans / Deposits54.50%55.21%54.62%54.76%57.85%+335 bps
Liquid Assets / Assets21.35%20.92%22.81%23.12%18.32%-303 bps
CRE / Total Capitaln/a176.38%206%205%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Clarendon, The

Manning, SC · Cert 15671 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancshares of Carolina Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$438.3MAssets
$223.9MLoans
$387.0MDeposits
$47.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets operating in a single state (rank 121 of 743).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets operating in a single state (rank 566 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.56%

Rank 154 of 746

Net Interest Margin

3.57%

Rank 417 of 746

Efficiency Ratio

52.99%

Rank 148 of 746

Equity / Assets

10.90%

Rank 330 of 746

Non-interest income vs. expense

$3.0M$10.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 80% of banks under $1B in assets operating in a single state
Bank 52.99%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.72%1.06%1.45%Beats 79%154 / 746
Return on Equity14.32%6.74%10.51%13.63%Beats 80%150 / 746
Net Interest Margin3.57%3.17%3.68%4.16%Beats 44%417 / 746
Efficiency Ratio52.99%55.74%64.58%75.47%Beats 80%148 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 84%121 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 58%315 / 743
Capital
Tier 1 Capital Ratio11.66%11.55%13.75%17.60%Beats 26%553 / 746
Total Risk-Based Capital Ratio11.66%11.71%14.33%18.43%Beats 24%566 / 746
Equity / Assets10.90%8.90%10.51%13.06%Beats 56%330 / 746
Liquidity & Funding
Loans / Deposits57.85%61.31%78.27%90.78%20th pctl596 / 746
Loans / Assets51.09%53.60%66.97%76.08%22nd pctl585 / 746
Brokered Deposits / Depositsn/aNot reported for this institution