The Conway National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Conway National Bank, based in Conway, South Carolina, reported $2.0 billion in assets at June 30, 2026, up 4.8% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 27% from a year earlier, to $7.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 14% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, The Conway National Bank reported a CET1 capital ratio of 19.18%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.10%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1400 3rd Ave, Conway, SC 29526
- County
- Horry
- Metro Area
- Myrtle Beach-Conway-North Myrtle Beach, SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1914
- Offices
- 16 domestic
- Employees (FTE)
- 248
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $199K
- Average total assets
- $1.96B
- Average total loans
- $857.2M
- Average interest-bearing deposits
- $1.19B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2102
- Fed RSSD
- 631422
- SEC CIK
- 764581 → filed by CNB CORPORATION
- Website
- www.conwaynationalbank.com →
- Parent Holding Company
- CNB CORPORATION (RSSD 1134108)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Conway National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Conway National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.18% | 1.45% | 0.02% | 0.10% | 3.41% |
| Q1 2026 | 18.80% | 1.42% | 0.06% | 0.28% | 3.28% |
| Q4 2025 | 18.47% | 1.33% | 0.05% | 0.23% | 3.25% |
| Q3 2025 | 19.00% | 1.34% | 0.05% | 0.20% | 3.36% |
| Q2 2025 | 18.27% | 1.20% | 0.05% | 0.45% | 3.10% |
| Q1 2025 | 18.11% | 1.04% | 0.10% | 0.47% | 2.88% |
| Q4 2024 | 18.01% | 1.10% | 0.11% | 0.49% | 2.94% |
| Q3 2024 | 18.29% | 1.13% | 0.12% | 0.53% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Conway Banking Center | Conway , SC | 29526 | $556.3M |
| Surfside Beach Branch | Surfside Beach , SC | 29577 | $177.0M |
| Myrtle Beach Branch | Myrtle Beach , SC | 29577 | $143.2M |
| Murrells Inlet Branch | Murrells Inlet , SC | 29576 | $139.5M |
| North Conway Branch | Conway , SC | 29526 | $91.2M |
| Northside Branch | North Myrtle Beach , SC | 29582 | $76.2M |
| Socastee Branch | Myrtle Beach , SC | 29588 | $75.5M |
| Red Hill Branch | Conway , SC | 29526 | $74.4M |
| Aynor Branch | Aynor , SC | 29511 | $70.9M |
| West Conway Branch | Conway , SC | 29526 | $67.0M |
| Little River Branch Office | Little River , SC | 29568 | $67.0M |
| Carolina Forest Branch Office | Myrtle Beach , SC | 29579 | $45.1M |
| North Myrtle Beach Office Branch | North Myrtle Beach , SC | 29582 | $33.1M |
| Pawleys Island Branch | Pawleys Island , SC | 29585 | $30.8M |
| Conway Branch | Conway , SC | 29526 | $22.4M |
| The Conway National Bank | Conway , SC | 29526 | $0 |
Regulatory record
What the public regulatory sources show for The Conway National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- June 7, 2011, OCC: Formal Agreement: The Conway National Bank
- Period: Most recent institution action June 7, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in SC, rank 14 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 338 applications, 329 loans originated, $82.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $195K approved, $98K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Conway National Bank
What are The Conway National Bank's total assets?
As of the Q2 2026 filing, The Conway National Bank reported total assets of $2.00 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Conway National Bank headquartered?
The Conway National Bank is headquartered in Conway, SC, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Conway National Bank founded?
The Conway National Bank was established in 1914, per the FDIC institution directory.
Is The Conway National Bank FDIC-insured?
Yes. The Conway National Bank is an FDIC-insured commercial bank (FDIC Certificate #2102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Conway National Bank?
The Conway National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Conway National Bank's CET1 capital ratio?
The Conway National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Conway National Bank operate?
The Conway National Bank operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Conway National Bank's Texas Ratio?
The Conway National Bank's Texas Ratio is 0.10% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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