Chester, SC · Cert 30987
SL · FDIC · 3 branches
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
87
Asset Quality
82
Profitability
8
Liquidity
0
Efficiency
7
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.
Chester, SC · Cert 30987
SL · FDIC · 3 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #32 of 47 inst. · $0.1B of $432.7B
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 | 0.10% | 0.09% | 0.17% | 0.23% | 0.23% | 0.23% | 0.17% | 0.18% | -5 bps | |
| Return on Equity | 0.49% | 0.45% | 0.81% | 1.09% | 1.11% | 1.12% | 0.81% | 0.88% | -21 bps | |
| Net Interest Margin | 2.31% | 2.35% | 2.54% | 2.57% | 2.61% | 2.62% | 2.74% | 2.80% | +23 bps | |
| Efficiency Ratio | 94.83% | 95.50% | 91.92% | 89.40% | 89.34% | 89.40% | 92.61% | 92.15% | +276 bps | |
| Non-Interest Burden | 2.19% | 2.25% | 2.33% | 2.29% | 2.32% | 2.33% | 2.54% | 2.58% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | -2.82% | -1.12% | 1.44% | 3.60% | 5.49% | 3.96% | 4.33% | +289 bps | |
| Loan Growth (YoY) | 10.06% | 6.09% | 9.84% | 6.62% | 2.24% | 1.62% | -5.53% | -1.41% | -803 bps | |
| Deposit Growth (YoY) | -1.32% | -3.68% | -1.61% | 1.61% | 4.36% | 6.50% | 4.69% | 5.17% | +356 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.31% | 0.29% | 0.28% | 0.25% | 0.25% | 0.25% | 0.23% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.45% | 2.47% | 2.33% | 2.35% | 2.31% | 2.35% | 2.39% | 2.30% | -4 bps | |
| Allowance Coverage of NPLs | 7.7x | 8.0x | 8.1x | 8.3x | 9.3x | 9.6x | 9.7x | 10.0x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.06% | 21.23% | 21.31% | 20.92% | 20.77% | 20.60% | 20.29% | 20.38% | -54 bps | |
| Total Risk-Based Capital | 21.06% | 21.23% | 21.31% | 20.92% | 20.77% | 20.60% | 20.29% | 20.38% | -54 bps | |
| Equity / Assets | 21.09% | 21.32% | 21.12% | 20.72% | 20.54% | 20.57% | 20.57% | 20.06% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.60% | 41.95% | 43.61% | 42.06% | 40.76% | 40.02% | 39.36% | 39.43% | -263 bps | |
| Liquid Assets / Assets | 55.51% | 53.38% | 52.75% | 53.05% | 54.01% | 55.81% | 56.34% | 55.44% | +238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.00% | 60.96% | 60.07% | n/a | n/a | |
Chester, SC · Cert 30987 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SL · FDIC · 3 branches
Q2 2026
Return on Assets
0.18%
Rank 698 of 746
Net Interest Margin
2.80%
Rank 660 of 746
Efficiency Ratio
92.46%
Rank 698 of 746
Equity / Assets
20.06%
Rank 34 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 6% | 698 / 746 | ||
| Return on Equity | 0.88% | 6.74% | 10.51% | 13.63% | Beats 5% | 706 / 746 | ||
| Net Interest Margin | 2.80% | 3.17% | 3.68% | 4.16% | Beats 12% | 660 / 746 | ||
| Efficiency Ratio | 92.46% | 55.74% | 64.58% | 75.47% | Beats 7% | 698 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.42% | 1.07% | Beats 64% | 270 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.38% | 11.55% | 13.75% | 17.60% | Beats 84% | 121 / 746 | ||
| Total Risk-Based Capital Ratio | 20.38% | 11.71% | 14.33% | 18.43% | Beats 82% | 137 / 746 | ||
| Equity / Assets | 20.06% | 8.90% | 10.51% | 13.06% | Beats 95% | 34 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.43% | 61.31% | 78.27% | 90.78% | 5th pctl | 710 / 746 | ||
| Loans / Assets | 31.42% | 53.60% | 66.97% | 76.08% | 3rd pctl | 720 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||