The Bank of Clarendon: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6862.74 percentage points higher than in Q1 2026, at 9000.00%. The Bank of Clarendon ranks 7th of 44 South Carolina banks on return on assets, in the upper half at 1.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Clarendon sits 0.39 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.66% |
| Equity capital to assets | 10.90% |
| Tangible equity to tangible assets | 10.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 9000.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 15.68% |
| Net interest margin | 3.87% |
| Efficiency ratio | 50.65% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.85% |
| Core deposits to total deposits | 91.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.31% |
| Securities to assets | 33.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.46% | 1.22% | 3.43% | 0.04% | 0.00% |
| Q4 2023 | 12.42% | 0.74% | 3.38% | 0.04% | 0.01% |
| Q1 2024 | 12.11% | 1.14% | 3.26% | 0.03% | 0.00% |
| Q2 2024 | 12.46% | 1.11% | 3.38% | 0.01% | 0.00% |
| Q3 2024 | 12.47% | 1.25% | 3.44% | 0.01% | 0.00% |
| Q4 2024 | 12.35% | 0.86% | 3.49% | 0.11% | 0.00% |
| Q1 2025 | 12.12% | 1.32% | 3.42% | 0.00% | -0.01% |
| Q2 2025 | 12.37% | 1.33% | 3.68% | 0.10% | 0.00% |
| Q3 2025 | 12.64% | 1.36% | 3.77% | 0.14% | 0.01% |
| Q4 2025 | 11.46% | 1.19% | 3.82% | 0.03% | -0.03% |
| Q1 2026 | 11.32% | 1.39% | 3.70% | 0.05% | 0.00% |
| Q2 2026 | 11.66% | 1.64% | 3.87% | 0.01% | 0.01% |
The Bank of Clarendon vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clarendon, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Clarendon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15671) · FFIEC NIC profile (RSSD 3720)