Bank of the Lowcountry: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Lowcountry of Walterboro, 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 | 0.74% | 1.34% | -0.60% | 20th bottom |
| ROAE | 10.22% | 13.32% | -3.10% | 37th below |
| Net Interest Margin | 3.99% | 3.93% | +0.06% | 53rd above |
| Efficiency Ratio | 70.80% | 61.14% | +9.66% | 26th below |
| PPNR / Avg Assets | 1.06% | 1.68% | -0.62% | 23rd bottom |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 30th below |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 67th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 603.17% | 1539.10% | -935.93% | 75th top |
| Texas Ratio | 1.41% | 7.33% | -5.92% | 68th above |
| Provision / NCO | 25000.00% | 1380.53% | +23619.47% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.64% | 19.51% | -7.87% | 14th bottom |
| Tier 1 Ratio | 11.64% | 19.54% | -7.90% | 13th bottom |
| Total Capital Ratio | 12.66% | 20.63% | -7.97% | 13th bottom |
| Leverage Ratio | 9.25% | 12.14% | -2.89% | 16th bottom |
| Equity / Assets | 7.59% | 11.38% | -3.79% | 10th bottom |
| TCE / Tangible Assets | 7.59% | 11.09% | -3.50% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.42% | 80.63% | +8.79% | 30th below |
| Core Deposit Ratio | 94.63% | 86.86% | +7.77% | 82nd top |
| Wholesale Funding Ratio | 6.97% | 5.03% | +1.94% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.61% | 6.85% | +9.76% | 93rd top |
| Loan Growth (Y/Y) | 13.96% | 7.90% | +6.06% | 84th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 6.29% | -0.68% | 61st above |
See Bank of the Lowcountry's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Lowcountry, 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 Bank of the Lowcountry profile, how to read a UBPR, or how this data updates.