The Bank of South Carolina: 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: 70.64 percentage points lower than in Q1 2026, at 302.58%. Within South Carolina, The Bank of South Carolina is 5th of 44 on return on assets, 1.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of South Carolina sits 0.46 points higher, at 1.71% (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 | 11.76% |
| Equity capital to assets | 10.57% |
| Tangible equity to tangible assets | 10.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.27% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 302.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 15.78% |
| Net interest margin | 4.76% |
| Efficiency ratio | 54.54% |
| Yield on earning assets | 5.41% |
| Cost of funds | 0.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.31% |
| Core deposits to total deposits | 97.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.05% |
| Securities to assets | 21.43% |
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 | 9.49% | 0.84% | 3.01% | 0.49% | -0.03% |
| Q4 2023 | 9.73% | 0.92% | 3.10% | 0.31% | -0.01% |
| Q1 2024 | 9.79% | 0.94% | 3.18% | 0.26% | -0.00% |
| Q2 2024 | 10.47% | 1.10% | 3.73% | 0.18% | 0.02% |
| Q3 2024 | 10.82% | 1.31% | 3.85% | 0.21% | 0.05% |
| Q4 2024 | 11.08% | 1.34% | 4.02% | 0.18% | 0.07% |
| Q1 2025 | 11.26% | 1.34% | 4.15% | 0.40% | 0.01% |
| Q2 2025 | 11.27% | 1.43% | 4.35% | 0.31% | 0.01% |
| Q3 2025 | 11.27% | 1.54% | 4.41% | 0.43% | 0.00% |
| Q4 2025 | 11.46% | 1.46% | 4.38% | 0.32% | 0.00% |
| Q1 2026 | 11.85% | 1.51% | 4.41% | 0.32% | 0.00% |
| Q2 2026 | 11.76% | 1.71% | 4.76% | 0.40% | 0.01% |
The Bank of South Carolina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
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