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Bank of the Lowcountry

Walterboro, SC · Cert 27496 · Communitycorp

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the Lowcountry

Walterboro, SC · Cert 27496 · Communitycorp

State charter, Fed member · FED · 5 branches

Q2 2026

$430.2MAssets
$326.4MLoans
$365.0MDeposits
$32.7MEquity
Loan mix
84%RE $259.5M12%C&I $38.4M3%Consumer $10.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $304.4M17%Noninterest $60.6MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.50%Q2 ’255.69%Q2 ’26+23%+5%

Non-interest income vs. expense

2.67%Q2 ’242.96%Q2 ’252.90%Q2 ’26+6%+3%

Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 1.3% share · #14 of 21 inst. · $0.1B of $7.0B

30.2% Colleton
20.4% Jasper
0.3% Charleston

Executive Summary

  • Earnings: ROA of 0.75%, up 11 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.15% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.25%, up 69 bps from a year ago.
  • Funding: loans stand at 89.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+16 bps YoY

Efficiency Ratio (YTD, annualized)

74.95%-208 bps YoY

Tier 1 Leverage Ratio

9.25%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.68%0.71%0.77%0.75%+11 bps
Return on Equity11.74%11.67%11.72%10.91%10.42%-131 bps
Net Interest Margin3.57%3.54%3.39%3.66%3.73%+16 bps
Efficiency Ratio77.02%74.92%74.17%76.63%74.95%-208 bps
Non-Interest Burden2.68%2.59%2.47%2.78%2.76%+8 bps
Growth
Asset Growth (YoY)2.23%6.64%17.79%14.63%16.61%+1,438 bps
Loan Growth (YoY)17.50%15.78%10.71%12.44%13.96%-354 bps
Deposit Growth (YoY)2.07%-1.25%7.24%8.59%5.61%+354 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.20%0.29%0.28%0.15%-7 bps
Net Charge-Offs / Loans-0.01%0.01%0.01%0.00%0.00%+2 bps
Allowance / Loans0.97%0.94%0.93%0.93%0.93%-3 bps
Allowance Coverage of NPLs4.3x4.6x3.2x3.3x6.0x+1.8x
Capital
Tier 1 Leverage Ratio8.56%9.69%9.20%9.10%9.25%+69 bps
Total Risk-Based Capital11.82%12.55%12.79%12.84%12.66%+84 bps
Equity / Assets5.37%6.66%7.23%6.82%7.59%+222 bps
Liquidity & Funding
Loans / Deposits82.87%84.38%86.23%82.60%89.42%+655 bps
Liquid Assets / Assets2.67%0.35%1.57%3.41%0.56%-211 bps
CRE / Total Capitaln/a383%377%381%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of the Lowcountry

Walterboro, SC · Cert 27496 · Peer group: banks under $1B in assets (n=581-629) · Communitycorp

State charter, Fed member · FED · 5 branches

Q2 2026

$430.2MAssets
$326.4MLoans
$365.0MDeposits
$32.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 72% of banks under $1B in assets (rank 162 of 581).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 575 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.74%

Rank 434 of 629

Net Interest Margin

3.73%

Rank 258 of 629

Efficiency Ratio

74.95%

Rank 422 of 629

Equity / Assets

7.59%

Rank 575 of 629

Non-interest income vs. expense

$0.6M$12.4MINCOMEEXPENSE
Unfavorable gap of $11.8M · efficiency ratio beats 33% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.60%1.01%1.45%Beats 31%434 / 629
Return on Equity9.71%5.38%9.30%13.28%Beats 52%301 / 629
Net Interest Margin3.73%3.03%3.54%4.05%Beats 59%258 / 629
Efficiency Ratio74.95%58.35%67.79%79.08%Beats 33%422 / 629
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.46%1.20%Beats 69%181 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 72%162 / 581
Capital
Tier 1 Capital Ratio11.64%11.24%13.84%18.77%Beats 29%444 / 629
Total Risk-Based Capital Ratio12.66%11.58%14.43%19.66%Beats 35%409 / 629
Equity / Assets7.59%9.09%10.65%13.80%Beats 9%575 / 629
Liquidity & Funding
Loans / Deposits89.42%67.24%80.90%93.48%67th pctl194 / 594
Loans / Assets75.86%53.31%67.71%78.15%69th pctl197 / 629
Brokered Deposits / Depositsn/aNot reported for this institution