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
Unfavorable gap of $11.8M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.60% | 1.01% | 1.45% | Beats 31% | 434 / 629 | n/a | |
| Return on Equity | 9.71% | 5.38% | 9.30% | 13.28% | Beats 52% | 301 / 629 | n/a | |
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 258 / 629 | n/a | |
| Efficiency Ratio | 74.95% | 58.35% | 67.79% | 79.08% | Beats 33% | 422 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.46% | 1.20% | Beats 69% | 181 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 162 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 11.64% | 11.24% | 13.84% | 18.77% | Beats 29% | 444 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 12.66% | 11.58% | 14.43% | 19.66% | Beats 35% | 409 / 629 | n/a | |
| Equity / Assets | 7.59% | 9.09% | 10.65% | 13.80% | Beats 9% | 575 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 89.42% | 67.24% | 80.90% | 93.48% | 67th pctl | 194 / 594 | n/a | |
| Loans / Assets | 75.86% | 53.31% | 67.71% | 78.15% | 69th pctl | 197 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |