Marion, SC · Cert 29582
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
48
Profitability
43
Liquidity
0
Efficiency
24
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.
Marion, SC · Cert 29582
State savings bank · OCC · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.95% | 1.03% | 1.15% | 1.18% | 1.08% | 0.95% | 0.99% | -16 bps | |
| Return on Equity | 5.79% | 5.17% | 5.32% | 5.86% | 6.01% | 5.49% | 4.77% | 4.90% | -96 bps | |
| Net Interest Margin | 3.85% | 3.87% | 3.96% | 4.08% | 4.05% | 4.04% | 3.90% | 4.01% | -7 bps | |
| Efficiency Ratio | 73.26% | 76.07% | 75.13% | 72.91% | 72.34% | 74.83% | 76.80% | 76.18% | +327 bps | |
| Non-Interest Burden | 2.79% | 2.91% | 2.94% | 2.92% | 2.87% | 2.98% | 2.96% | 3.02% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | -0.41% | -1.94% | -4.04% | -1.90% | 1.55% | 3.17% | 2.38% | +642 bps | |
| Loan Growth (YoY) | 18.83% | 2.71% | 5.57% | 0.38% | 2.06% | 11.12% | 8.21% | 5.52% | +514 bps | |
| Deposit Growth (YoY) | 1.80% | -1.67% | -3.51% | -6.16% | -3.59% | 0.58% | 2.61% | 1.69% | +785 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.04% | 0.04% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.06% | +6 bps | |
| Allowance / Loans | 4.46% | 4.47% | 4.50% | 4.38% | 4.37% | 4.03% | 4.13% | 4.12% | -26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 20.8x | 93.7x | 111.6x | 15.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.80% | 18.98% | 19.42% | 19.99% | 19.97% | 19.89% | 19.83% | 20.51% | +52 bps | |
| Total Risk-Based Capital | 41.94% | 42.75% | 43.40% | 43.69% | 43.67% | 41.67% | 42.79% | 43.51% | -18 bps | |
| Equity / Assets | 18.59% | 19.13% | 19.42% | 20.20% | 19.99% | 19.90% | 19.86% | 20.74% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.85% | 41.85% | 41.82% | 44.45% | 43.25% | 46.24% | 44.11% | 46.12% | +167 bps | |
| Liquid Assets / Assets | 66.52% | 65.67% | 65.83% | 63.84% | 65.01% | 61.78% | 64.11% | 62.28% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.85% | 9.45% | 6.21% | n/a | n/a | |
Marion, SC · Cert 29582 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
1.00%
Rank 404 of 746
Net Interest Margin
4.01%
Rank 244 of 746
Efficiency Ratio
76.18%
Rank 566 of 746
Equity / Assets
20.74%
Rank 32 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.72% | 1.06% | 1.45% | Beats 46% | 404 / 746 | ||
| Return on Equity | 4.84% | 6.74% | 10.51% | 13.63% | Beats 17% | 618 / 746 | ||
| Net Interest Margin | 4.01% | 3.17% | 3.68% | 4.16% | Beats 67% | 244 / 746 | ||
| Efficiency Ratio | 76.18% | 55.74% | 64.58% | 75.47% | Beats 24% | 566 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 291 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 495 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.24% | 11.55% | 13.75% | 17.60% | Beats 98% | 18 / 746 | ||
| Total Risk-Based Capital Ratio | 43.51% | 11.71% | 14.33% | 18.43% | Beats 98% | 15 / 746 | ||
| Equity / Assets | 20.74% | 8.90% | 10.51% | 13.06% | Beats 96% | 32 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.12% | 61.31% | 78.27% | 90.78% | 10th pctl | 674 / 746 | ||
| Loans / Assets | 36.56% | 53.60% | 66.97% | 76.08% | 6th pctl | 698 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||