Bank of South Carolina, The
Charleston, SC · Cert 26912 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bank of South Carolina Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$571.2MAssets
$369.5MLoans
$497.3MDeposits
$60.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks under $1B in assets operating in a single state (rank 97 of 746).
- Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets operating in a single state (rank 546 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.55%
Rank 157 of 746
Net Interest Margin
4.48%
Rank 97 of 746
Efficiency Ratio
56.15%
Rank 197 of 746
Equity / Assets
10.57%
Rank 361 of 746
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 74% 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 | 1.55% | 0.72% | 1.06% | 1.45% | Beats 79% | 157 / 746 | | |
| Return on Equity | 14.69% | 6.74% | 10.51% | 13.63% | Beats 81% | 141 / 746 | | |
| Net Interest Margin | 4.48% | 3.17% | 3.68% | 4.16% | Beats 87% | 97 / 746 | | |
| Efficiency Ratio | 56.15% | 55.74% | 64.58% | 75.47% | Beats 74% | 197 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.42% | 1.07% | Beats 60% | 298 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 231 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 529 / 746 | | |
| Total Risk-Based Capital Ratio | 11.76% | 11.71% | 14.33% | 18.43% | Beats 27% | 546 / 746 | | |
| Equity / Assets | 10.57% | 8.90% | 10.51% | 13.06% | Beats 52% | 361 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.31% | 61.31% | 78.27% | 90.78% | 43rd pctl | 422 / 746 | | |
| Loans / Assets | 64.68% | 53.60% | 66.97% | 76.08% | 44th pctl | 416 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |