Bank of the Lowcountry
Walterboro, SC · Cert 27496 · Peer group: banks under $1B in assets (n=573-620) · 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 165 of 573).
- Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 567 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.74%
Rank 424 of 620
Net Interest Margin
3.73%
Rank 247 of 620
Efficiency Ratio
74.95%
Rank 413 of 620
Equity / Assets
7.59%
Rank 567 of 620
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.60% | 1.00% | 1.45% | Beats 32% | 424 / 620 | |
| Return on Equity | 9.71% | 5.30% | 9.30% | 13.29% | Beats 53% | 292 / 620 | |
| Net Interest Margin | 3.73% | 3.02% | 3.53% | 4.04% | Beats 60% | 247 / 620 | |
| Efficiency Ratio | 74.95% | 58.35% | 68.08% | 79.37% | Beats 34% | 413 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.47% | 1.27% | Beats 69% | 176 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 165 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.64% | 11.27% | 13.87% | 18.78% | Beats 29% | 439 / 620 | |
| Total Risk-Based Capital Ratio | 12.66% | 11.69% | 14.57% | 19.67% | Beats 35% | 404 / 620 | |
| Equity / Assets | 7.59% | 9.03% | 10.60% | 13.73% | Beats 9% | 567 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 89.42% | 65.08% | 79.69% | 92.47% | 68th pctl | 185 / 585 | |
| Loans / Assets | 75.86% | 51.85% | 67.17% | 77.86% | 70th pctl | 187 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |