Walterboro, SC · Cert 27496 · Communitycorp
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 1.3% share · #14 of 21 inst. · $0.1B of $7.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.46% | 0.49% | 0.78% | 0.75% | 0.81% | 0.77% | 0.74% | -5 bps | |
| Return on Equity | 10.18% | 8.24% | 8.87% | 14.75% | 12.46% | 11.71% | 10.91% | 10.22% | -453 bps | |
| Net Interest Margin | 3.08% | 2.88% | 3.40% | 3.69% | 3.78% | 3.69% | 3.66% | 3.81% | +11 bps | |
| Efficiency Ratio | 82.65% | 77.51% | 82.91% | 71.94% | 70.96% | 72.06% | 76.63% | 73.34% | +140 bps | |
| Non-Interest Burden | 2.52% | 2.20% | 2.80% | 2.54% | 2.65% | 2.64% | 2.78% | 2.75% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.98% | -1.27% | 0.25% | 2.23% | 6.64% | 17.79% | 14.63% | 16.61% | +1,438 bps | |
| Loan Growth (YoY) | 19.55% | 21.29% | 19.56% | 17.50% | 15.78% | 10.71% | 12.44% | 13.96% | -354 bps | |
| Deposit Growth (YoY) | 15.35% | -1.77% | -0.02% | 2.07% | -1.25% | 7.24% | 8.59% | 5.61% | +354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.12% | 0.23% | 0.23% | 0.20% | 0.29% | 0.28% | 0.15% | -7 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | -0.03% | 0.06% | 0.00% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.06% | 0.98% | 0.96% | 0.97% | 0.94% | 0.93% | 0.93% | 0.93% | -3 bps | |
| Allowance Coverage of NPLs | 10.4x | 8.2x | 4.2x | 4.3x | 4.6x | 3.2x | 3.3x | 6.0x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.04% | 8.22% | 8.26% | 8.56% | 9.69% | 9.20% | 9.10% | 9.25% | +69 bps | |
| Total Risk-Based Capital | 12.18% | 12.11% | 11.73% | 11.82% | 12.55% | 12.79% | 12.84% | 12.66% | +84 bps | |
| Equity / Assets | 5.32% | 5.79% | 5.25% | 5.37% | 6.66% | 7.23% | 6.82% | 7.59% | +222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.97% | 83.53% | 79.77% | 82.87% | 84.38% | 86.23% | 82.60% | 89.42% | +655 bps | |
| Liquid Assets / Assets | 12.37% | 0.89% | 5.14% | 2.67% | 0.35% | 1.57% | 3.41% | 0.56% | -211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 377% | 381% | n/a | n/a | |