Dedicated Community Bank
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
$100.6MAssets
$75.6MLoans
$91.1MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 76% of banks under $1B in assets operating in a single state (rank 564 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state | 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 |