Bank Safety Analysis
Is The Bank of Clarendon Safe? Manning, South Carolina
Based on its Q3 2026 call report, The Bank of Clarendon meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.03%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Bank of Clarendon safe?
On its Q3 2026 call report, The Bank of Clarendon's Community Bank Leverage Ratio is 12.31%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 12.31%
- Texas ratio (Q3 2026): 0.03%
- Noncurrent loans ratio (Q3 2026): 0.01%
The Bank of Clarendon is an FDIC-insured commercial bank (FDIC Certificate #15671). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Bank of Clarendon (FDIC Certificate #15671) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Bank of Clarendon passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The largest change between Q2 2026 and Q3 2026 was in net interest margin, which rose 0.17 percentage points to 4.04%. The Bank of Clarendon ranks 17th of 43 South Carolina banks on leverage ratio, in the upper half at 12.31% (Q3 2026). The median for banks in the $100M-1B asset tier is 11.09% on leverage ratio. The Bank of Clarendon sits 1.22 points higher, at 12.31% (Q3 2026). From Q4 2023 to Q3 2026, The Bank of Clarendon's Texas ratio ranged between 0.00% (Q4 2025) and 1.04% (Q4 2023).
Between Q3 2025 and Q3 2026, The Bank of Clarendon's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.01%, Texas ratio rose from 0.01% to 0.03% and return on assets rose from 1.36% to 1.60%.
Of the 43 banks headquartered in South Carolina, The Bank of Clarendon is the 27th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $64.4M of $230.6M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Bank of Clarendon's community bank leverage ratio of 12.31% is above the 11.09% median, nonperforming loans ratio of 0.01% is below the 0.43% median, Texas ratio of 0.03% is below the 2.96% median, and efficiency ratio of 52.66% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Bank of Clarendon's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Bank of Clarendon score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Bank of Clarendon trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.03% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.01% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 59.90% | Within range |
| Commercial real estate to capital supervisory threshold | 133.20% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 9.25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.03% |
| Q2 2026 | 0.03% |
| Q1 2026 | 0.06% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.45% |
| Q4 2024 | 0.03% |
| Q3 2024 | 0.03% |
| Q2 2024 | 0.17% |
| Q1 2024 | 1.02% |
| Q4 2023 | 1.04% |
Loans by type, Q3 2026
- 1-4 family residential loans: $64.4M
- Non-owner-occupied commercial real estate loans: $54.3M
- Owner-occupied commercial real estate loans: $33.5M
- Commercial and industrial loans: $24.3M
- Construction and land development loans: $14.8M
- Multifamily loans: $6.2M
- Other consumer loans: $5.7M
- Auto loans: $3.9M
How have The Bank of Clarendon's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $436.2M | 12.31% | 0.01% | 0.03% | 52.66% |
| Jun 30, 2026 | $438.3M | 11.66% | 0.01% | 0.03% | 50.65% |
| Mar 31, 2026 | $455.6M | 11.32% | 0.01% | 0.06% | 54.15% |
| Dec 31, 2025 | $441.9M | 11.46% | 0.00% | 0.00% | 63.11% |
| Sep 30, 2025 | $424.5M | 12.64% | 0.00% | 0.01% | 56.17% |
| Jun 30, 2025 | $421.2M | 12.37% | 0.00% | 0.00% | 56.73% |
| Mar 31, 2025 | $421.8M | 12.12% | 0.11% | 0.45% | 55.28% |
| Dec 31, 2024 | $413.3M | 12.35% | 0.01% | 0.03% | 70.67% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Bank of Clarendon FDIC insured?
Yes. The Bank of Clarendon is an FDIC-insured commercial bank (FDIC Certificate #15671). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Bank of Clarendon well capitalized?
On its Q3 2026 call report, The Bank of Clarendon's Community Bank Leverage Ratio is 12.31%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are The Bank of Clarendon's key safety ratios?
For Q3 2026, The Bank of Clarendon reports leverage 12.31%, Texas ratio 0.03%, noncurrent loans 0.01%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Bank of Clarendon fails?
For Q3 2026, The Bank of Clarendon reported $384.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Bank of Clarendon profile.
How we score this
The Bank of Clarendon elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio The Bank of Clarendon is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 15671) · FFIEC NIC profile (RSSD 3720)
Explore: Full The Bank of Clarendon profile · Other banks in SC · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.