Darlington, SC · Cert 26588 · Darlington Cnty Bancshares Inc.
State charter, non-member · FDIC · 2 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
34
Asset Quality
74
Profitability
56
Liquidity
78
Efficiency
25
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.
Darlington, SC · Cert 26588 · Darlington Cnty Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Florence, SC · 2026 SOD (annual) · 2.0% share · #11 of 16 inst. · $0.1B 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 | 0.33% | 0.43% | 0.61% | 0.68% | 0.80% | 0.76% | 0.81% | 0.89% | +21 bps | |
| Return on Equity | 4.17% | 5.39% | 8.00% | 8.80% | 10.08% | 9.47% | 9.52% | 10.33% | +152 bps | |
| Net Interest Margin | 3.77% | 3.63% | 3.79% | 3.89% | 4.07% | 4.14% | 4.14% | 4.30% | +41 bps | |
| Efficiency Ratio | 86.56% | 84.25% | 79.85% | 77.59% | 75.01% | 77.06% | 76.77% | 75.47% | -212 bps | |
| Non-Interest Burden | 3.23% | 3.02% | 2.98% | 2.96% | 2.99% | 3.13% | 3.11% | 3.17% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 9.88% | 10.70% | 6.25% | 4.10% | 1.74% | -3.25% | -1.18% | -743 bps | |
| Loan Growth (YoY) | 8.21% | 1.86% | 3.14% | 6.93% | 4.31% | 5.26% | 4.86% | -0.10% | -703 bps | |
| Deposit Growth (YoY) | 11.27% | 13.10% | 10.88% | 5.92% | 3.61% | 0.57% | -4.66% | -2.05% | -797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.15% | 0.51% | 0.50% | 0.57% | 0.55% | 0.41% | 0.41% | 0.47% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.64% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.11% | 0.52% | 0.54% | 0.54% | 0.58% | 0.58% | 0.59% | 0.58% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.1x | 1.0x | 1.0x | 1.4x | 1.5x | 1.2x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 8.42% | 8.24% | 8.38% | 8.70% | 8.89% | 8.94% | 9.27% | +89 bps | |
| Total Risk-Based Capital | 12.25% | 12.50% | 11.60% | 11.67% | 12.21% | 12.37% | 12.48% | 13.31% | +164 bps | |
| Equity / Assets | 7.89% | 7.73% | 7.57% | 8.04% | 8.23% | 8.46% | 8.58% | 8.86% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.94% | 76.44% | 73.55% | 81.32% | 80.48% | 80.00% | 80.89% | 82.94% | +162 bps | |
| Liquid Assets / Assets | 14.94% | 17.03% | 20.02% | 13.29% | 14.59% | 15.04% | 14.26% | 12.69% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 427% | 430% | n/a | n/a | |
Darlington, SC · Cert 26588 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Darlington Cnty Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.90%
Rank 460 of 746
Net Interest Margin
4.30%
Rank 145 of 746
Efficiency Ratio
75.47%
Rank 560 of 746
Equity / Assets
8.86%
Rank 564 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.72% | 1.06% | 1.45% | Beats 38% | 460 / 746 | ||
| Return on Equity | 10.19% | 6.74% | 10.51% | 13.63% | Beats 48% | 389 / 746 | ||
| Net Interest Margin | 4.30% | 3.17% | 3.68% | 4.16% | Beats 81% | 145 / 746 | ||
| Efficiency Ratio | 75.47% | 55.74% | 64.58% | 75.47% | Beats 25% | 560 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.42% | 1.07% | Beats 48% | 390 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.71% | 11.55% | 13.75% | 17.60% | Beats 38% | 464 / 746 | ||
| Total Risk-Based Capital Ratio | 13.31% | 11.71% | 14.33% | 18.43% | Beats 41% | 441 / 746 | ||
| Equity / Assets | 8.86% | 8.90% | 10.51% | 13.06% | Beats 24% | 564 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.94% | 61.31% | 78.27% | 90.78% | 60th pctl | 298 / 746 | ||
| Loans / Assets | 75.12% | 53.60% | 66.97% | 76.08% | 71st pctl | 213 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||