BANK OF SOUTH CAROLINA, THE

CHARLESTON, SC | Medium | Est. Feb. 26, 1987, midnight | FDIC #26912 | RSSD #246022 | FDIC
Latest Report: 2025-12-31

BANK OF SOUTH CAROLINA, THE is amn medium FDIC-insured commercial bank headquartered in CHARLESTON, SC, established in Feb. 26, 1987, midnight. As of 2025-12-31, the bank reported total assets of $576M and total deposits of $502M. Profitability stands at 1.43% ROA and 13.98% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 10.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.22%. FDIC Certificate #26912.

Assets

$576M

Deposits

$502M

Loans

$363M

Equity

$60M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 13.98%
Net Interest Margin (NIM) 4.59%
Yield on Assets 5.50%
Cost of Funds 0.96%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.22%
NPA Ratio 0.13%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 10.33%
Tier 1 Capital 10.33%
Total Capital Ratio 10.85%
Leverage Ratio 11.46%
Loan-to-Deposit 72.29%

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