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Dedicated Community Bank

Darlington, SC · Cert 26588 · Darlington Cnty Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.6MAssets
$75.6MLoans
$91.1MDeposits
$8.9MEquity
Loan mix
85%RE $62.4M14%C&I $9.9M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $67.8M26%Noninterest $23.3MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.14%Q2 ’255.39%Q2 ’26+3%+10%

Non-interest income vs. expense

3.61%Q2 ’243.22%Q2 ’253.47%Q2 ’26-11%+7%

Market Position · Florence, SC · 2026 SOD (annual) · 2.0% share · #11 of 16 inst. · $0.1B of $4.5B

9.1% Darlington
0.4% Florence

Executive Summary

  • Earnings: ROA of 0.89%, up 21 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.47% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.27%, up 89 bps from a year ago.
  • Funding: loans stand at 82.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+41 bps YoY

Efficiency Ratio (YTD, annualized)

75.47%-212 bps YoY

Tier 1 Leverage Ratio

9.27%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.80%0.76%0.81%0.89%+21 bps
Return on Equity8.80%10.08%9.47%9.52%10.33%+152 bps
Net Interest Margin3.89%4.07%4.14%4.14%4.30%+41 bps
Efficiency Ratio77.59%75.01%77.06%76.77%75.47%-212 bps
Non-Interest Burden2.96%2.99%3.13%3.11%3.17%+21 bps
Growth
Asset Growth (YoY)6.25%4.10%1.74%-3.25%-1.18%-743 bps
Loan Growth (YoY)6.93%4.31%5.26%4.86%-0.10%-703 bps
Deposit Growth (YoY)5.92%3.61%0.57%-4.66%-2.05%-797 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.55%0.41%0.41%0.47%-10 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.54%0.58%0.58%0.59%0.58%+4 bps
Allowance Coverage of NPLs1.0x1.0x1.4x1.5x1.2x+0.3x
Capital
Tier 1 Leverage Ratio8.38%8.70%8.89%8.94%9.27%+89 bps
Total Risk-Based Capital11.67%12.21%12.37%12.48%13.31%+164 bps
Equity / Assets8.04%8.23%8.46%8.58%8.86%+82 bps
Liquidity & Funding
Loans / Deposits81.32%80.48%80.00%80.89%82.94%+162 bps
Liquid Assets / Assets13.29%14.59%15.04%14.26%12.69%-60 bps
CRE / Total Capitaln/a444%427%430%n/an/a