Arthur State Bank
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Data as of · sourced from FFIEC call reports. How we update
Arthur State Bank is an FDIC-insured commercial bank headquartered in Union, SC, established in 1933 (FDIC certificate 15085), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $831.9M, up 3.1% from Q2 2025, the 16th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.15% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15085
- Headquarters
- Union, SC
- Established
- 1933
- Total assets, Q2 2026
- $831.9M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 12.15%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 053201034
- Holding company
- ARTHUR FINANCIAL CORPORATION
- Asset rank in state
- 16th of 43 in South Carolina
Arthur State Bank, based in Union, South Carolina, reported $832 million in assets at June 30, 2026, up 3.1% from a year earlier. It pays an average of 0.78% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.30% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 6.0% and deposits rose 1.0%.
As of June 30, 2026, Arthur State Bank reported a CET1 capital ratio of 12.15%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 6.03%. The figures come from its call report filed with the FFIEC.
Arthur State Bank ranks as the 16th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $831.9M, loans rose 2.1% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.1% of total loans, followed by owner-occupied commercial real estate loans at 15.4%. The FDIC Summary of Deposits lists 19 offices for it, in 11 cities in SC; its Union 3 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, Arthur State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Main St, Union, SC 29379
- County
- Union
- Metro Area
- Spartanburg, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1933
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 150
- Domestic deposits
- $686.1M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $819.0M
- Average total loans
- $610.6M
- Average interest-bearing deposits
- $498.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 13, 1934
- FDIC Cert
- 15085
- Fed RSSD
- 591320
- Website
- www.arthurstatebank.com →
- Parent Holding Company
- ARTHUR FINANCIAL CORPORATION (RSSD 3196584)
- Ultimate Parent
- JCO VENTURES, LLC (RSSD 3136982)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Arthur State Bank's total assets ranged from $746.4M (Q4 2023) to $831.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$831.9M total assets against $807.2M; $775.3M total liabilities against $757.1M.
$612.6M net loans and leases against $577.7M; $686.1M total deposits against $679.5M.
$136.6M securities against $146.5M; $41.4M cash and balances due against $43.6M.
$10.4M total interest income against $9.5M; $1.5M total interest expense against $1.2M.
$8.9M net interest income against $8.3M.
$1.8M total noninterest income against $1.8M; $7.4M total noninterest expense against $6.9M.
$125K provision for credit losses against $155K.
$2.4M net income against $2.3M.
1.19% return on assets against 1.19%; 4.51% net interest margin against 4.40%.
12.15% CET1 capital ratio against 11.96%; 8.30% tier 1 leverage ratio against 8.16%.
Inside the full Arthur State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArthur State Bank rankings
Its closest position to the top of a national ranking is 1,207 of 4,196, for total assets; its furthest is 1,656 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q3 2024) to 1.25% (Q4 2024) and its net interest margin ran from 3.87% (Q3 2024) to 4.53% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.15% | 1.19% | 0.60% | 6.03% | 4.51% |
| Q1 2026 | 12.17% | 1.08% | 0.61% | 6.16% | 4.37% |
| Q4 2025 | 12.11% | 1.20% | 0.58% | 5.90% | 4.40% |
| Q3 2025 | 12.10% | 1.24% | 0.55% | 5.65% | 4.37% |
| Q2 2025 | 11.96% | 1.19% | 0.59% | 6.18% | 4.40% |
| Q1 2025 | 11.81% | 1.10% | 0.66% | 6.91% | 4.23% |
| Q4 2024 | 11.56% | 1.25% | 0.64% | 6.79% | 4.53% |
| Q3 2024 | 11.71% | 0.93% | 0.64% | 6.93% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Arthur State Bank (main office) | Union , SC | 29379 | $142.7M |
| Woodruff Main Street Branch | Woodruff , SC | 29388 | $76.9M |
| Clinton Branch | Clinton , SC | 29325 | $72.2M |
| East Spartanburg Branch | Spartanburg , SC | 29302 | $65.0M |
| Roebuck Branch | Roebuck , SC | 29376 | $58.0M |
| West Towne Branch | Union , SC | 29379 | $48.0M |
| Arthur State Bank - Chesnee Branch | Chesnee , SC | 29323 | $42.6M |
| West Spartanburg Branch | Spartanburg , SC | 29301 | $37.8M |
| Augusta Road Branch | Greenville , SC | 29605 | $34.1M |
| Fountain Inn Branch | Fountain Inn , SC | 29644 | $21.9M |
| Gervais Branch | Columbia , SC | 29201 | $19.0M |
| Rock Hill Branch | Rock Hill , SC | 29732 | $16.2M |
| Columbia Beltline Branch | Columbia , SC | 29204 | $13.1M |
| Monarch Branch | Union , SC | 29379 | $10.7M |
| Greenville Branch | Greenville , SC | 29607 | $7.9M |
| Lexington Branch | Lexington , SC | 29072 | $7.7M |
| Sparkleberry Branch | Columbia , SC | 29229 | $6.3M |
| North Main Branch | Woodruff , SC | 29388 | $4.4M |
| 221 South Branch | Woodruff , SC | 29388 | $1.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2003 | Structure Change | Acquired Pinnacle State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 26, 2003 | Structure Change | Acquired Carolina State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ARTHUR FINANCIAL CORPORATION, not the bank itself
- August 31, 2011, Federal Reserve: Written Agreement: JCO Ventures, LLC, Union, JCO Partners, L.P., JCO Partners II, L.P., HAO Management Company, LLC, HAO Partners, L.P., HAO Partners II, L.P., FOJ Management Company, LLC, FOJ Partners, L.P., FOJ Partners II, L.P., and Arthur Financial Corporation, all of Union, South Carolina
- Period: Most recent institution action August 31, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in SC, rank 30 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 379 applications, 290 loans originated, $107.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $43K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Arthur State Bank
What are Arthur State Bank's total assets?
As of the Q2 2026 filing, Arthur State Bank reported total assets of $831.9 million in its FFIEC call report.
Where is Arthur State Bank headquartered?
It is headquartered in Union, SC, United States.
When was Arthur State Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Arthur State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arthur State Bank?
Arthur State Bank's primary federal regulator is the FDIC.
What is Arthur State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.15% in its Q2 2026 call report, above regulatory requirements.
How many branches does Arthur State Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arthur State Bank's Texas Ratio?
Its Texas Ratio is 6.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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