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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.14% | 1.32% | 1.36% | 1.42% | 1.42% | 1.45% | 1.56% | +20 bps | |
| Return on Equity | 13.42% | 13.73% | 13.99% | 14.29% | 14.63% | 14.48% | 13.85% | 14.81% | +53 bps | |
| Net Interest Margin | 3.69% | 3.80% | 4.06% | 4.16% | 4.19% | 4.25% | 4.34% | 4.48% | +33 bps | |
| Efficiency Ratio | 61.87% | 61.18% | 59.76% | 58.85% | 57.47% | 57.94% | 57.67% | 56.15% | -270 bps | |
| Non-Interest Burden | 2.15% | 2.20% | 2.30% | 2.32% | 2.27% | 2.33% | 2.35% | 2.35% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.02% | -12.10% | -7.67% | -0.35% | 0.88% | 3.50% | -0.95% | -1.56% | -121 bps | |
| Loan Growth (YoY) | 5.07% | 5.72% | -0.07% | -0.14% | -1.50% | -1.74% | 0.71% | 1.92% | +206 bps | |
| Deposit Growth (YoY) | -3.33% | -6.76% | -5.52% | -0.14% | -0.35% | 2.15% | -2.02% | -2.33% | -219 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.12% | 0.31% | 0.30% | 0.31% | 0.21% | 0.21% | 0.29% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.04% | 1.00% | 1.04% | 1.05% | 1.15% | 1.17% | 1.19% | 1.20% | +15 bps | |
| Allowance Coverage of NPLs | 9.1x | 8.1x | 3.4x | 3.5x | 3.7x | 5.5x | 5.8x | 4.1x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.82% | 11.08% | 11.26% | 11.27% | 11.27% | 11.46% | 11.85% | 11.76% | +49 bps | |
| Total Risk-Based Capital | 10.82% | 11.08% | 11.26% | 11.27% | 11.27% | 11.46% | 11.85% | 11.76% | +49 bps | |
| Equity / Assets | 9.17% | 9.29% | 9.58% | 9.67% | 10.13% | 10.33% | 10.64% | 10.57% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.92% | 75.15% | 72.14% | 71.21% | 70.10% | 72.29% | 74.16% | 74.31% | +310 bps | |
| Liquid Assets / Assets | 1.32% | 0.86% | 6.24% | 8.45% | 9.04% | 7.13% | 11.42% | 9.93% | +148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 216% | 214% | 209% | n/a | n/a | |