CBL State Savings Bank
Greer, SC · Cert 31900 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Citizens Building&Loan MHC
SI · FDIC · 2 branches
Q2 2026
$191.3MAssets
$117.7MLoans
$125.9MDeposits
$29.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
- Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 735 of 752).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.10%
Rank 715 of 752
Net Interest Margin
1.95%
Rank 735 of 752
Efficiency Ratio
94.91%
Rank 718 of 752
Equity / Assets
15.20%
Rank 96 of 752
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.10% | 0.72% | 1.07% | 1.45% | Beats 5% | 715 / 752 | |
| Return on Equity | 0.63% | 6.78% | 10.58% | 13.65% | Beats 4% | 719 / 752 | |
| Net Interest Margin | 1.95% | 3.18% | 3.69% | 4.17% | Beats 2% | 735 / 752 | |
| Efficiency Ratio | 94.91% | 55.75% | 64.49% | 75.47% | Beats 5% | 718 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.03% | Beats 82% | 133 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 15.93% | 11.55% | 13.75% | 17.60% | Beats 68% | 244 / 752 | |
| Total Risk-Based Capital Ratio | 15.93% | 11.70% | 14.33% | 18.47% | Beats 63% | 279 / 752 | |
| Equity / Assets | 15.20% | 8.93% | 10.56% | 13.13% | Beats 87% | 96 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 93.52% | 62.23% | 78.64% | 91.26% | 80th pctl | 154 / 752 | |
| Loans / Assets | 61.55% | 54.61% | 67.41% | 76.47% | 38th pctl | 470 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |