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 | |