BANK OF THE LOWCOUNTRY

WALTERBORO, SC | Small | Est. May 1, 1989, midnight | FDIC #27496 | RSSD #1404481 | FDIC
Latest Report: 2025-12-31

BANK OF THE LOWCOUNTRY is asn small FDIC-insured commercial bank headquartered in WALTERBORO, SC, established in May 1, 1989, midnight. As of 2025-12-31, the bank reported total assets of $411M and total deposits of $347M. Profitability stands at 0.81% ROA and 11.71% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 11.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 2.67%. FDIC Certificate #27496.

Assets

$411M

Deposits

$347M

Loans

$300M

Equity

$30M

Profitability

Return on Assets (ROA) 0.81%
Return on Equity (ROE) 11.71%
Net Interest Margin (NIM) 4.05%
Yield on Assets 6.25%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.67%
NPA Ratio 0.21%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 11.79%
Tier 1 Capital 11.79%
Total Capital Ratio 12.79%
Leverage Ratio 9.20%
Loan-to-Deposit 86.23%

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