The Bank of Clarendon
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Clarendon is an FDIC-insured commercial bank headquartered in Manning, SC, established in 1939 (FDIC certificate 15671), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $438.3M, up 4.0% from Q2 2025, the 25th largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15671
- Headquarters
- Manning, SC
- Established
- 1939
- Total assets, Q2 2026
- $438.3M
- Assets vs Q2 2025
- +4.0%
- Tier 1 leverage ratio, Q2 2026
- 11.66%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 053206738
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Clarendon call report
- Holding company
- BANCSHARES OF CAROLINA, INC.
- Asset rank in state
- 25th of 43 in South Carolina
The Bank of Clarendon, based in Manning, South Carolina, reported $438 million in assets at June 30, 2026, up 4.0% from a year earlier. It pays an average of 1.04% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.9 million, 32% above the same quarter a year earlier. Over the same year, loans grew 10.5% and deposits grew 4.1%.
As of June 30, 2026, The Bank of Clarendon reported a return on assets of 1.64%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Of the 43 banks headquartered in South Carolina, The Bank of Clarendon is the 25th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.8% to $438.3M, loans rose 0.9% and deposits fell 4.5%. 1-4 family residential loans made up 27.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.5%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in SC; its Manning 2 offices book 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Clarendon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 S Brooks St, Manning, SC 29102
- County
- Clarendon
- 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 051
- Established
- July 1, 1939
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $387.0M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $451.7M
- Average total loans
- $222.4M
- Average interest-bearing deposits
- $285.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1939
- FDIC Cert
- 15671
- Fed RSSD
- 3720
- Website
- www.myboc.bank →
- Parent Holding Company
- BANCSHARES OF CAROLINA, INC. (RSSD 6055066)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Bank of Clarendon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Clarendon's total assets ranged from $369.1M (Q3 2023) to $455.6M (Q1 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
$438.3M total assets against $421.2M; $390.5M total liabilities against $374.9M.
$221.7M net loans and leases against $200.7M; $387.0M total deposits against $371.7M.
$147.6M securities against $143.9M; $49.5M cash and balances due against $57.2M.
$5.2M total interest income against $4.7M; $1.0M total interest expense against $1.1M.
$4.1M net interest income against $3.7M.
$805K total noninterest income against $620K; $2.5M total noninterest expense against $2.5M.
$78K provision for credit losses against $30K.
$1.9M net income against $1.4M.
1.64% return on assets against 1.33%; 3.87% net interest margin against 3.68%.
11.66% tier 1 leverage ratio against 12.37%.
Inside the full The Bank of Clarendon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Clarendon rankings
Its closest position to the top of a national ranking is 815 of 3,606, for efficiency ratio; its furthest is 3,307 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.64% (Q2 2026) and its net interest margin ran from 3.42% (Q1 2025) to 3.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.66% | 1.64% | 0.01% | 0.03% | 3.87% |
| Q1 2026 | 11.32% | 1.39% | 0.01% | 0.06% | 3.70% |
| Q4 2025 | 11.46% | 1.19% | 0.00% | 0.00% | 3.82% |
| Q3 2025 | 12.64% | 1.36% | 0.00% | 0.01% | 3.77% |
| Q2 2025 | 12.37% | 1.33% | 0.00% | 0.00% | 3.68% |
| Q1 2025 | 12.12% | 1.32% | 0.11% | 0.45% | 3.42% |
| Q4 2024 | 12.35% | 0.86% | 0.01% | 0.03% | 3.49% |
| Q3 2024 | 12.47% | 1.25% | 0.01% | 0.03% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The Bank of Clarendon | Manning , SC | 29102 | $220.0M |
| Sumter Branch | Sumter , SC | 29150 | $103.4M |
| Santee Branch | Santee , SC | 29142 | $32.3M |
| South Dukes Branch | Summerton , SC | 29148 | $20.6M |
| Wyboo Banking Office | Manning , SC | 29102 | $10.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in SC, rank 43 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82 applications, 80 loans originated, $17.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Bank of Clarendon
What are The Bank of Clarendon's total assets?
As of the Q2 2026 filing, The Bank of Clarendon reported total assets of $438.3 million in its FFIEC call report.
Where is The Bank of Clarendon headquartered?
It is headquartered in Manning, SC, United States.
When was The Bank of Clarendon founded?
It was established in 1939, per the FDIC institution directory.
Is The Bank of Clarendon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15671). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Clarendon?
The Bank of Clarendon's primary federal regulator is the FDIC.
How many branches does The Bank of Clarendon operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Clarendon's Texas Ratio?
Its Texas Ratio is 0.03% 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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