Bank of the Lowcountry
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Lowcountry is an FDIC-insured commercial bank headquartered in Walterboro, SC, established in 1989 (FDIC certificate 27496), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $430.2M, up 16.6% from Q2 2025, the 26th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 11.64% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27496
- Headquarters
- Walterboro, SC
- Established
- 1989
- Total assets, Q2 2026
- $430.2M
- Assets vs Q2 2025
- +16.6%
- CET1 ratio, Q2 2026
- 11.64%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 053202114
- Latest call report
- Q2 2026, FFIEC 051 · Bank of the Lowcountry Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- COMMUNITYCORP
- Asset rank in state
- 26th of 43 in South Carolina
Bank of the Lowcountry operates with a thinner capital cushion than most banks of its size. The Walterboro, South Carolina bank had $430 million in assets at June 30, 2026, up 16.6% from a year earlier. It holds common equity equal to 11.64% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size. It has also been growing, with assets up 16.6% in a year.
Loans are outrunning deposits: over the year loans rose 14.0% and deposits rose 5.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.8 million equal 22% of Tier 1 capital, down from 42% a year earlier. Profitability lags: it earns about $0.74 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Bank of the Lowcountry reported a CET1 capital ratio of 11.64%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.41%. The figures come from its call report filed with the FFIEC.
Bank of the Lowcountry ranks as the 26th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $430.2M, loans rose 4.8% and deposits fell 3.2%. 1-4 family residential loans made up 33.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.0%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in SC; its Walterboro office books 57% of its branch deposits. Judged on its Q2 2026 call report, Bank of the Lowcountry meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 N Jefferies Blvd, Walterboro, SC 29488
- County
- Colleton
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1989
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $365.0M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $427.7M
- Average total loans
- $318.6M
- Average interest-bearing deposits
- $310.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1989
- FDIC Cert
- 27496
- Fed RSSD
- 1404481
- SEC CIK
- 1020347 → filed by COMMUNITYCORP
- Website
- www.banklowcountry.com →
- Parent Holding Company
- COMMUNITYCORP (RSSD 2352842)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of the Lowcountry's total assets ran between $328.9M (Q3 2023) and $430.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$430.2M total assets against $368.9M; $397.6M total liabilities against $349.1M.
$323.3M net loans and leases against $283.6M; $365.0M total deposits against $345.6M.
$84.2M securities against $56.5M; $8.5M cash and balances due against $17.0M.
$6.2M total interest income against $5.2M; $2.1M total interest expense against $1.8M.
$4.1M net interest income against $3.4M.
$169K total noninterest income against $397K; $3.1M total noninterest expense against $2.7M.
$150K provision for credit losses against $150K.
$786K net income against $723K.
0.74% return on assets against 0.79%; 3.99% net interest margin against 3.77%.
11.64% CET1 capital ratio against 10.74%; 9.25% tier 1 leverage ratio against 8.56%.
Inside the full Bank of the Lowcountry terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of the Lowcountry rankings
Its closest position to the top of a national ranking is 1,955 of 4,196, for total assets; its furthest is 1,818 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q4 2024) to 0.81% (Q4 2025) and its net interest margin ran from 3.04% (Q4 2024) to 3.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.64% | 0.74% | 0.15% | 1.41% | 3.99% |
| Q1 2026 | 11.83% | 0.75% | 0.28% | 2.74% | 3.86% |
| Q4 2025 | 11.79% | 0.81% | 0.29% | 2.67% | 3.89% |
| Q3 2025 | 11.54% | 0.76% | 0.20% | 2.04% | 3.89% |
| Q2 2025 | 10.74% | 0.79% | 0.23% | 2.88% | 3.77% |
| Q1 2025 | 10.69% | 0.47% | 0.23% | 2.88% | 3.58% |
| Q4 2024 | 11.04% | 0.45% | 0.12% | 1.42% | 3.04% |
| Q3 2024 | 11.09% | 0.54% | 0.10% | 2.72% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of the Lowcountry (main office) | Walterboro , SC | 29488 | $206.5M |
| Ridgeland Branch | Ridgeland , SC | 29936 | $87.2M |
| Ravenel Branch | Ravenel , SC | 29470 | $35.9M |
| West Ashley Branch | Charleston , SC | 29407 | $24.2M |
| Mount Pleasant | Mount Pleasant , SC | 29464 | $11.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in SC, rank 44 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 114 loans originated, $38.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of the Lowcountry
What are Bank of the Lowcountry's total assets?
As of the Q2 2026 filing, Bank of the Lowcountry reported total assets of $430.2 million in its FFIEC call report.
Where is Bank of the Lowcountry headquartered?
It is headquartered in Walterboro, SC, United States.
When was Bank of the Lowcountry founded?
It was established in 1989, per the FDIC institution directory.
Is Bank of the Lowcountry FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Lowcountry?
Bank of the Lowcountry's primary federal regulator is the Federal Reserve.
What is Bank of the Lowcountry's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the Lowcountry operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Lowcountry's Texas Ratio?
Its Texas Ratio is 1.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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