PackageTrendsPeer
Letter portraitLegal landscape

Conway National Bank, The

Conway, SC · Cert 2102 · CNB Corp.

National charter · OCC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Conway National Bank, The

Conway, SC · Cert 2102 · CNB Corp.

National charter · OCC · 16 branches

Q2 2026

$2.0BAssets
$865.7MLoans
$1.7BDeposits
$194.9MEquity
Loan mix
82%RE $695.6M11%C&I $97.4M7%Consumer $59.3MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $1.2B28%Noninterest $0.5BQ2 2025Q2 2026

NIM

3.47%Q2 ’243.98%Q2 ’254.26%Q2 ’26+15%+12%

Non-interest income vs. expense

1.76%Q2 ’241.77%Q2 ’251.77%Q2 ’26+2%0%

Market Position · Myrtle Beach-Conway-North Myrtle Beach, SC · 2026 SOD (annual) · 12.4% share · #1 of 21 inst. · $1.5B of $12.1B

12.4% Horry
7.7% Georgetown

Executive Summary

  • Earnings: ROA of 1.42%, up 31 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.02% of loans (-3 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.23%, up 36 bps from a year ago.
  • Funding: loans stand at 51.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+35 bps YoY

Efficiency Ratio (YTD, annualized)

47.88%-503 bps YoY

Tier 1 Leverage Ratio

10.23%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.19%1.23%1.40%1.42%+31 bps
Return on Equity12.07%12.74%13.07%14.62%14.72%+265 bps
Net Interest Margin2.84%2.93%2.97%3.16%3.20%+35 bps
Efficiency Ratio52.91%51.52%51.76%47.38%47.88%-503 bps
Non-Interest Burden1.27%1.27%1.30%1.23%1.27%0 bps
Growth
Asset Growth (YoY)5.35%3.25%7.46%3.86%4.84%-51 bps
Loan Growth (YoY)7.14%5.02%5.49%4.92%3.63%-351 bps
Deposit Growth (YoY)5.25%3.58%5.09%2.44%3.52%-172 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.05%0.06%0.02%-3 bps
Net Charge-Offs / Loans0.18%0.17%0.15%0.04%0.05%-13 bps
Allowance / Loans1.05%1.09%1.09%1.09%1.10%+5 bps
Allowance Coverage of NPLs19.3x22.6x20.5x17.0x48.4x+29.1x
Capital
Tier 1 Leverage Ratio9.87%9.97%9.64%10.04%10.23%+36 bps
Total Risk-Based Capital19.17%19.93%19.41%19.74%20.12%+95 bps
Equity / Assets9.41%9.87%9.46%9.73%9.76%+35 bps
Liquidity & Funding
Loans / Deposits51.81%51.41%51.52%52.85%51.86%+5 bps
Liquid Assets / Assets30.27%30.03%31.43%30.25%29.71%-56 bps
CRE / Total Capitaln/a208%216%219%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Conway National Bank, The

Conway, SC · Cert 2102 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CNB Corp.

National charter · OCC · 16 branches

Q2 2026

$2.0BAssets
$865.7MLoans
$1.7BDeposits
$194.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: net interest margin trails 72% of banks $1B-$10B in assets operating in a single state (rank 185 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.40%

Rank 86 of 258

Net Interest Margin

3.20%

Rank 185 of 258

Efficiency Ratio

47.88%

Rank 42 of 257

Equity / Assets

9.76%

Rank 153 of 258

Non-interest income vs. expense

$9.8M$34.6MINCOMEEXPENSE
Unfavorable gap of $24.8M · efficiency ratio beats 84% of banks $1B-$10B in assets operating in a single state
Bank 47.88%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.93%1.23%1.54%Beats 67%86 / 258
Return on Equity14.30%9.26%11.84%14.74%Beats 71%76 / 258
Net Interest Margin3.20%3.16%3.49%3.88%Beats 28%185 / 258
Efficiency Ratio47.88%51.71%60.30%69.65%Beats 84%42 / 257
Asset Quality
Nonperforming Loans / Loans0.02%0.19%0.46%0.90%Beats 95%15 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 40%157 / 258
Capital
Tier 1 Capital Ratio19.18%11.41%12.98%15.12%Beats 91%22 / 258
Total Risk-Based Capital Ratio20.12%12.10%13.91%16.08%Beats 92%21 / 258
Equity / Assets9.76%9.09%10.24%11.72%Beats 41%153 / 258
Liquidity & Funding
Loans / Deposits51.86%73.24%86.34%95.95%4th pctl247 / 258
Loans / Assets43.35%63.01%72.27%78.40%3rd pctl250 / 258
Brokered Deposits / Depositsn/aNot reported for this institution