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
Unfavorable gap of $7.1M · efficiency ratio beats 80% 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 | 1.56% | 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 |