The Bank of South Carolina: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of South Carolina of Charleston, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.34% | +0.37% | 74th above |
| ROAE | 15.78% | 13.31% | +2.47% | 70th above |
| Net Interest Margin | 4.76% | 3.93% | +0.83% | 87th top |
| Efficiency Ratio | 54.54% | 61.14% | -6.60% | 71st above |
| PPNR / Avg Assets | 2.32% | 1.68% | +0.64% | 84th top |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 0.66% | 1.88% | -1.22% | 97th top |
| Net Interest Spread | 4.28% | 3.32% | +0.96% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 51st above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 302.58% | 1539.42% | -1236.84% | 60th above |
| Texas Ratio | 2.27% | 7.33% | -5.06% | 60th above |
| Provision / NCO | 4000.00% | 1393.30% | +2606.70% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.76% | 12.14% | -0.38% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.57% | 11.37% | -0.80% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.57% | 11.09% | -0.52% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.31% | 80.64% | -6.33% | 63rd above |
| Core Deposit Ratio | 97.48% | 86.85% | +10.63% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.56% | 6.86% | -8.42% | 12th bottom |
| Loan Growth (Y/Y) | 1.92% | 7.91% | -5.99% | 31st below |
| Deposit Growth (Y/Y) | -2.33% | 6.29% | -8.62% | 12th bottom |
See The Bank of South Carolina's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of South Carolina, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of South Carolina profile, how to read a UBPR, or how this data updates.