The Bank of South Carolina: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 144.2% in Q2 2026, from $1.8M to $4.3M. It was the largest change from Q1 2026 among the key lines here. The Bank of South Carolina ranks 26th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 74.31% (Q2 2026). The Bank of South Carolina reported 74.31% on loan-to-deposit ratio for Q2 2026, 6.64 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.5M |
| Net loans and leases | $365.1M |
| Loans held for sale | $4.3M |
| Loans to total assets | 64.68% |
| Loan-to-deposit ratio | 74.31% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.22% |
| Multifamily (5+ residential) | 2.65% |
| Commercial and industrial | 14.31% |
| Consumer | 0.77% |
| Credit cards | 0.00% |
| Farm | 0.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.94% |
| Construction concentration (Tier 1 capital + allowance) | 76.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.89% |
| Interest income on loans | $6.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $340.2M | $521.3M | 24.19% | 15.06% | 1.07% |
| Q4 2023 | $349.1M | $526.7M | 24.20% | 15.64% | 1.08% |
| Q1 2024 | $359.9M | $527.7M | 23.13% | 15.75% | 1.09% |
| Q2 2024 | $363.1M | $509.9M | 22.66% | 15.21% | 1.11% |
| Q3 2024 | $357.4M | $504.0M | 23.55% | 14.38% | 1.05% |
| Q4 2024 | $369.1M | $491.1M | 22.63% | 14.96% | 1.03% |
| Q1 2025 | $359.7M | $498.5M | 22.76% | 15.87% | 0.97% |
| Q2 2025 | $362.6M | $509.1M | 23.08% | 14.83% | 0.84% |
| Q3 2025 | $352.1M | $502.2M | 22.92% | 14.58% | 0.87% |
| Q4 2025 | $362.7M | $501.7M | 21.71% | 14.81% | 0.85% |
| Q1 2026 | $362.2M | $488.5M | 21.20% | 15.13% | 0.77% |
| Q2 2026 | $369.5M | $497.3M | 21.22% | 14.31% | 0.77% |
The Bank of South Carolina loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of South Carolina, freeSource: Call Report Schedule RC-C, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26912) · FFIEC NIC profile (RSSD 246022)