Woodruff, SC · Cert 29238
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Spartanburg, SC · 2026 SOD (annual) · 1.0% share · #15 of 22 inst. · $0.1B of $6.6B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.28% | 0.28% | 0.32% | 0.33% | +8 bps | |
| Return on Equity | 0.71% | 0.81% | 0.82% | 0.94% | 0.99% | +28 bps | |
| Net Interest Margin | 2.02% | 2.05% | 2.04% | 2.03% | 1.99% | -4 bps | |
| Efficiency Ratio | 88.67% | 87.06% | 86.59% | 84.41% | 83.64% | -503 bps | |
| Non-Interest Burden | 1.77% | 1.76% | 1.74% | 1.69% | 1.63% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.05% | -0.82% | 2.57% | 5.28% | 7.74% | +779 bps | |
| Loan Growth (YoY) | 7.46% | 7.41% | 6.53% | 4.18% | 2.68% | -478 bps | |
| Deposit Growth (YoY) | -0.26% | -1.41% | 4.07% | 8.03% | 11.68% | +1,194 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.75% | 1.06% | 0.68% | 0.42% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.07% | 1.08% | 1.07% | -3 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.4x | 1.0x | 1.6x | 2.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 33.02% | 33.19% | 33.13% | 32.32% | 31.47% | -155 bps | |
| Total Risk-Based Capital | 33.02% | 33.19% | 33.13% | 32.32% | 31.47% | -155 bps | |
| Equity / Assets | 34.52% | 34.28% | 34.22% | 33.05% | 32.35% | -217 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.41% | 103.50% | 103.08% | 96.91% | 95.08% | -833 bps | |
| Liquid Assets / Assets | 25.68% | 25.70% | 25.29% | 28.71% | 29.08% | +339 bps | |
| CRE / Total Capital | n/a | 36.46% | 36.25% | 36.42% | n/a | n/a | |