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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.36% | 1.19% | 1.40% | 1.66% | +33 bps | |
| Return on Equity | 12.20% | 12.07% | 10.89% | 13.62% | 15.68% | +348 bps | |
| Net Interest Margin | 3.48% | 3.56% | 3.60% | 3.48% | 3.67% | +19 bps | |
| Efficiency Ratio | 57.54% | 56.97% | 63.90% | 54.85% | 51.25% | -628 bps | |
| Non-Interest Burden | 1.75% | 1.78% | 1.97% | 1.63% | 1.53% | -22 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 / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.03% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.98% | 0.98% | 1.00% | +8 bps | |
| Allowance Coverage of NPLs | 932.5x | 633.3x | n/a | 72.7x | 150.0x | -782.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.37% | 12.64% | 11.46% | 11.32% | 11.66% | -71 bps | |
| Total Risk-Based Capital | 12.37% | 12.64% | 11.46% | 11.32% | 11.66% | -71 bps | |
| Equity / Assets | 10.99% | 11.49% | 10.31% | 10.24% | 10.90% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.50% | 55.21% | 54.62% | 54.76% | 57.85% | +335 bps | |
| Liquid Assets / Assets | 21.35% | 20.92% | 22.81% | 23.12% | 18.32% | -303 bps | |
| CRE / Total Capital | n/a | 176.38% | 206% | 205% | n/a | n/a | |