Travelers Rest, SC · Cert 16389 · Travelers Rest Bancshares Inc.
State charter, non-member · FDIC · 10 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
56
Profitability
62
Liquidity
3
Efficiency
54
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.
Travelers Rest, SC · Cert 16389 · Travelers Rest Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 5.4% share · #9 of 40 inst. · $1.4B of $26.1B
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 | 1.01% | 1.09% | 1.13% | 1.16% | 1.16% | 1.18% | 1.91% | 1.60% | +44 bps | |
| Return on Equity | 14.05% | 15.10% | 15.39% | 15.65% | 15.08% | 15.07% | 21.82% | 17.99% | +234 bps | |
| Net Interest Margin | 2.60% | 2.58% | 2.81% | 2.89% | 2.91% | 2.92% | 3.00% | 3.02% | +14 bps | |
| Efficiency Ratio | 62.99% | 61.11% | 60.14% | 59.54% | 60.21% | 59.89% | 60.47% | 59.00% | -54 bps | |
| Non-Interest Burden | 1.29% | 1.22% | 1.32% | 1.35% | 1.39% | 1.39% | 1.45% | 1.40% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 10.76% | 9.36% | 7.52% | 9.52% | 4.08% | 4.76% | 5.76% | -176 bps | |
| Loan Growth (YoY) | 9.95% | 11.75% | 10.83% | 9.88% | 10.28% | 6.10% | 5.81% | 5.05% | -483 bps | |
| Deposit Growth (YoY) | 5.08% | 10.89% | 8.67% | 6.55% | 8.95% | 2.39% | 2.89% | 3.91% | -264 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.03% | 0.09% | 0.18% | 0.16% | 0.14% | 0.12% | +3 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.11% | 0.08% | 0.08% | 0.08% | 0.09% | 0.10% | +2 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.30% | 1.31% | 1.30% | 1.32% | 1.31% | 1.31% | 0 bps | |
| Allowance Coverage of NPLs | 33.8x | 30.8x | 41.3x | 14.1x | 7.2x | 8.5x | 9.6x | 10.6x | -3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.43% | 9.55% | 9.64% | 9.79% | 9.85% | 10.23% | 10.29% | +65 bps | |
| Total Risk-Based Capital | 16.07% | 15.97% | 15.99% | 16.08% | 16.08% | 16.35% | 16.50% | 17.07% | +99 bps | |
| Equity / Assets | 7.93% | 7.17% | 7.46% | 7.70% | 8.30% | 8.58% | 8.96% | 9.18% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.98% | 62.33% | 62.18% | 64.10% | 64.76% | 64.59% | 63.95% | 64.80% | +70 bps | |
| Liquid Assets / Assets | 7.34% | 10.42% | 9.78% | 8.49% | 8.28% | 7.41% | 6.99% | 7.83% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 333% | 327% | n/a | n/a | |
Travelers Rest, SC · Cert 16389 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Travelers Rest Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.59%
Rank 57 of 258
Net Interest Margin
3.02%
Rank 208 of 258
Efficiency Ratio
59.00%
Rank 119 of 257
Equity / Assets
9.18%
Rank 190 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.93% | 1.23% | 1.54% | Beats 78% | 57 / 258 | ||
| Return on Equity | 17.29% | 9.26% | 11.84% | 14.74% | Beats 89% | 28 / 258 | ||
| Net Interest Margin | 3.02% | 3.16% | 3.49% | 3.88% | Beats 19% | 208 / 258 | ||
| Efficiency Ratio | 59.00% | 51.71% | 60.30% | 69.65% | Beats 54% | 119 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.19% | 0.46% | 0.90% | Beats 83% | 45 / 258 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 28% | 189 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.87% | 11.41% | 12.98% | 15.12% | Beats 80% | 52 / 258 | ||
| Total Risk-Based Capital Ratio | 17.07% | 12.10% | 13.91% | 16.08% | Beats 80% | 51 / 258 | ||
| Equity / Assets | 9.18% | 9.09% | 10.24% | 11.72% | Beats 26% | 190 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.80% | 73.24% | 86.34% | 95.95% | 10th pctl | 231 / 258 | ||
| Loans / Assets | 57.60% | 63.01% | 72.27% | 78.40% | 16th pctl | 218 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||