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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.70% | 0.61% | 0.75% | 1.02% | 0.64% | 0.81% | 0.97% | +22 bps | |
| Return on Equity | 5.76% | 8.91% | 8.00% | 9.62% | 12.58% | 7.73% | 9.52% | 11.16% | +154 bps | |
| Net Interest Margin | 3.93% | 3.96% | 3.79% | 4.02% | 4.36% | 4.32% | 4.14% | 4.42% | +40 bps | |
| Efficiency Ratio | 81.48% | 78.04% | 79.85% | 75.47% | 70.33% | 82.87% | 76.77% | 74.25% | -122 bps | |
| Non-Interest Burden | 3.15% | 3.03% | 2.98% | 2.97% | 2.99% | 3.53% | 3.11% | 3.20% | +24 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% | 2.57% | 0.00% | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | -2 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 | |