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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.23% | 0.23% | 0.17% | 0.18% | -5 bps | |
| Return on Equity | 1.09% | 1.11% | 1.12% | 0.81% | 0.88% | -21 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.62% | 2.74% | 2.80% | +23 bps | |
| Efficiency Ratio | 89.40% | 89.34% | 89.40% | 92.61% | 92.15% | +276 bps | |
| Non-Interest Burden | 2.29% | 2.32% | 2.33% | 2.54% | 2.58% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | 3.60% | 5.49% | 3.96% | 4.33% | +289 bps | |
| Loan Growth (YoY) | 6.62% | 2.24% | 1.62% | -5.53% | -1.41% | -803 bps | |
| Deposit Growth (YoY) | 1.61% | 4.36% | 6.50% | 4.69% | 5.17% | +356 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.25% | 0.25% | 0.25% | 0.23% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.35% | 2.31% | 2.35% | 2.39% | 2.30% | -4 bps | |
| Allowance Coverage of NPLs | 8.3x | 9.3x | 9.6x | 9.7x | 10.0x | +1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.92% | 20.77% | 20.60% | 20.29% | 20.38% | -54 bps | |
| Total Risk-Based Capital | 20.92% | 20.77% | 20.60% | 20.29% | 20.38% | -54 bps | |
| Equity / Assets | 20.72% | 20.54% | 20.57% | 20.57% | 20.06% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.06% | 40.76% | 40.02% | 39.36% | 39.43% | -263 bps | |
| Liquid Assets / Assets | 53.05% | 54.01% | 55.81% | 56.34% | 55.44% | +238 bps | |
| CRE / Total Capital | n/a | 63.00% | 60.96% | 60.07% | n/a | n/a | |