Charleston, SC · Cert 26912 · Bank of South Carolina Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Charleston-North Charleston, SC · 2026 SOD (annual) · 1.9% share · #12 of 37 inst. · $0.5B of $25.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.51% | 1.43% | 1.45% | 1.67% | +27 bps | |
| Return on Equity | 14.54% | 15.30% | 13.98% | 13.85% | 15.78% | +125 bps | |
| Net Interest Margin | 4.31% | 4.36% | 4.32% | 4.34% | 4.69% | +38 bps | |
| Efficiency Ratio | 57.99% | 54.90% | 59.31% | 57.67% | 54.78% | -321 bps | |
| Non-Interest Burden | 2.37% | 2.24% | 2.42% | 2.35% | 2.37% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.35% | 0.88% | 3.50% | -0.95% | -1.56% | -121 bps | |
| Loan Growth (YoY) | -0.14% | -1.50% | -1.74% | 0.71% | 1.92% | +206 bps | |
| Deposit Growth (YoY) | -0.14% | -0.35% | 2.15% | -2.02% | -2.33% | -219 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.31% | 0.21% | 0.21% | 0.29% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 1.05% | 1.15% | 1.17% | 1.19% | 1.20% | +15 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.7x | 5.5x | 5.8x | 4.1x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.27% | 11.27% | 11.46% | 11.85% | 11.76% | +49 bps | |
| Total Risk-Based Capital | 11.27% | 11.27% | 11.46% | 11.85% | 11.76% | +49 bps | |
| Equity / Assets | 9.67% | 10.13% | 10.33% | 10.64% | 10.57% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.21% | 70.10% | 72.29% | 74.16% | 74.31% | +310 bps | |
| Liquid Assets / Assets | 8.45% | 9.04% | 7.13% | 11.42% | 9.93% | +148 bps | |
| CRE / Total Capital | n/a | 216% | 214% | 209% | n/a | n/a | |