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 (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 | 0.09% | 0.07% | 0.17% | 0.28% | 0.24% | 0.23% | 0.17% | 0.19% | -9 bps | |
| Return on Equity | 0.42% | 0.33% | 0.81% | 1.36% | 1.16% | 1.13% | 0.81% | 0.94% | -42 bps | |
| Net Interest Margin | 2.30% | 2.44% | 2.54% | 2.66% | 2.75% | 2.74% | 2.74% | 2.85% | +20 bps | |
| Efficiency Ratio | 95.42% | 97.44% | 91.92% | 87.02% | 89.25% | 89.56% | 92.61% | 91.71% | +469 bps | |
| Non-Interest Burden | 2.19% | 2.38% | 2.33% | 2.30% | 2.44% | 2.45% | 2.54% | 2.61% | +32 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% | 0.04% | 0.00% | 0.00% | 0.00% | -0.03% | 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 | |