Manning, SC · Cert 15671 · Bancshares of Carolina Inc.
State charter, non-member · FDIC · 5 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
35
Asset Quality
71
Profitability
68
Liquidity
36
Efficiency
80
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.
Manning, SC · Cert 15671 · Bancshares of Carolina Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Sumter, SC · 2026 SOD (annual) · 8.6% share · #5 of 8 inst. · $0.1B of $1.2B
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 | 1.18% | 1.09% | 1.33% | 1.33% | 1.34% | 1.30% | 1.40% | 1.54% | +21 bps | |
| Return on Equity | 11.01% | 10.30% | 12.67% | 12.47% | 12.31% | 12.05% | 13.62% | 14.66% | +219 bps | |
| Net Interest Margin | 3.14% | 3.14% | 3.23% | 3.35% | 3.42% | 3.39% | 3.48% | 3.57% | +22 bps | |
| Efficiency Ratio | 62.32% | 64.82% | 56.04% | 56.81% | 56.86% | 58.81% | 54.85% | 52.99% | -381 bps | |
| Non-Interest Burden | 1.74% | 1.82% | 1.52% | 1.64% | 1.68% | 1.72% | 1.63% | 1.58% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.07% | 8.19% | 9.06% | 8.24% | 6.44% | 6.90% | 8.02% | 4.05% | -419 bps | |
| Loan Growth (YoY) | 3.08% | 2.94% | 4.43% | 6.40% | 5.85% | 9.22% | 12.00% | 10.52% | +412 bps | |
| Deposit Growth (YoY) | 6.74% | 8.31% | 8.53% | 7.67% | 6.13% | 6.93% | 8.69% | 4.12% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.11% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.93% | 0.92% | 0.93% | 0.92% | 0.92% | 0.98% | 0.98% | 1.00% | +8 bps | |
| Allowance Coverage of NPLs | 112.5x | 150.8x | 8.7x | 932.5x | 633.3x | n/a | 72.7x | 150.0x | -782.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.47% | 12.35% | 12.12% | 12.37% | 12.64% | 11.46% | 11.32% | 11.66% | -71 bps | |
| Total Risk-Based Capital | 12.47% | 12.35% | 12.12% | 12.37% | 12.64% | 11.46% | 11.32% | 11.66% | -71 bps | |
| Equity / Assets | 11.26% | 10.29% | 10.75% | 10.99% | 11.49% | 10.31% | 10.24% | 10.90% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.36% | 53.47% | 53.14% | 54.50% | 55.21% | 54.62% | 54.76% | 57.85% | +335 bps | |
| Liquid Assets / Assets | 18.43% | 18.18% | 22.79% | 21.35% | 20.92% | 22.81% | 23.12% | 18.32% | -303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 176.38% | 206% | 205% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.72% | 1.06% | 1.45% | Beats 79% | 154 / 746 | ||
| Return on Equity | 14.32% | 6.74% | 10.51% | 13.63% | Beats 80% | 150 / 746 | ||
| Net Interest Margin | 3.57% | 3.17% | 3.68% | 4.16% | Beats 44% | 417 / 746 | ||
| Efficiency Ratio | 52.99% | 55.74% | 64.58% | 75.47% | Beats 80% | 148 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 84% | 121 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 315 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.66% | 11.55% | 13.75% | 17.60% | Beats 26% | 553 / 746 | ||
| Total Risk-Based Capital Ratio | 11.66% | 11.71% | 14.33% | 18.43% | Beats 24% | 566 / 746 | ||
| Equity / Assets | 10.90% | 8.90% | 10.51% | 13.06% | Beats 56% | 330 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.85% | 61.31% | 78.27% | 90.78% | 20th pctl | 596 / 746 | ||
| Loans / Assets | 51.09% | 53.60% | 66.97% | 76.08% | 22nd pctl | 585 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||