Lamar, SC · Cert 16723 · First Carolina Bancshares Corp.
State charter, non-member · FDIC · 14 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
81
Asset Quality
33
Profitability
79
Liquidity
76
Efficiency
95
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.
Lamar, SC · Cert 16723 · First Carolina Bancshares Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Florence, SC · 2026 SOD (annual) · 10.2% share · #5 of 16 inst. · $0.5B of $4.5B
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 | 1.42% | 1.46% | 1.35% | 1.49% | 1.53% | 1.51% | 1.68% | 1.85% | +35 bps | |
| Return on Equity | 11.36% | 11.69% | 10.70% | 11.90% | 12.21% | 12.19% | 13.45% | 14.57% | +267 bps | |
| Net Interest Margin | 3.76% | 3.67% | 3.62% | 3.78% | 3.67% | 3.64% | 3.86% | 4.04% | +25 bps | |
| Efficiency Ratio | 50.58% | 50.49% | 52.49% | 50.23% | 50.11% | 48.74% | 44.86% | 43.22% | -701 bps | |
| Non-Interest Burden | 1.68% | 1.63% | 1.70% | 1.68% | 1.62% | 1.56% | 1.51% | 1.51% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | 4.54% | 5.84% | 10.98% | 11.99% | 12.96% | 8.90% | 4.84% | -614 bps | |
| Loan Growth (YoY) | 14.23% | 8.30% | 3.37% | 0.79% | -1.91% | 0.94% | 1.46% | 3.40% | +261 bps | |
| Deposit Growth (YoY) | 1.25% | 4.09% | 6.36% | 11.47% | 13.49% | 13.46% | 8.81% | 4.10% | -737 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.37% | 0.31% | 0.38% | 0.34% | 0.35% | 0.46% | 0.41% | +3 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.10% | 0.12% | 0.10% | 0.14% | 0.33% | 0.23% | 0.19% | +10 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.39% | 1.42% | 1.43% | 1.39% | 1.36% | 1.35% | -7 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.7x | 4.5x | 3.7x | 4.2x | 3.9x | 3.0x | 3.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.25% | 13.05% | 13.12% | 13.26% | 12.82% | 12.58% | 12.95% | 13.51% | +26 bps | |
| Total Risk-Based Capital | 18.85% | 19.41% | 20.09% | 20.45% | 21.01% | 21.17% | 21.48% | 21.40% | +95 bps | |
| Equity / Assets | 12.80% | 12.22% | 13.00% | 12.46% | 12.42% | 11.90% | 13.10% | 13.06% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.49% | 85.41% | 89.56% | 83.98% | 80.81% | 75.99% | 83.51% | 83.42% | -56 bps | |
| Liquid Assets / Assets | 2.27% | 6.63% | 6.02% | 9.96% | 12.01% | 12.47% | 9.50% | 8.90% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 272% | 270% | n/a | n/a | |
Lamar, SC · Cert 16723 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Carolina Bancshares Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
1.87%
Rank 68 of 746
Net Interest Margin
4.04%
Rank 235 of 746
Efficiency Ratio
43.22%
Rank 40 of 746
Equity / Assets
13.06%
Rank 187 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.87% | 0.72% | 1.06% | 1.45% | Beats 91% | 68 / 746 | ||
| Return on Equity | 14.29% | 6.74% | 10.51% | 13.63% | Beats 79% | 153 / 746 | ||
| Net Interest Margin | 4.04% | 3.17% | 3.68% | 4.16% | Beats 68% | 235 / 746 | ||
| Efficiency Ratio | 43.22% | 55.74% | 64.58% | 75.47% | Beats 95% | 40 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 367 / 743 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 15% | 633 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.14% | 11.55% | 13.75% | 17.60% | Beats 84% | 123 / 746 | ||
| Total Risk-Based Capital Ratio | 21.40% | 11.71% | 14.33% | 18.43% | Beats 84% | 121 / 746 | ||
| Equity / Assets | 13.06% | 8.90% | 10.51% | 13.06% | Beats 75% | 187 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.42% | 61.31% | 78.27% | 90.78% | 61st pctl | 289 / 746 | ||
| Loans / Assets | 71.84% | 53.60% | 66.97% | 76.08% | 62nd pctl | 284 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||