Bank of the Lowcountry: 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: 269.41 percentage points higher than in Q1 2026, at 603.17%. Within South Carolina, Bank of the Lowcountry is 33rd of 44 on return on assets, 0.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of the Lowcountry sits 0.51 points lower, at 0.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.64% |
| Tier 1 risk-based capital ratio | 11.64% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 7.59% |
| Tangible equity to tangible assets | 7.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.41% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 603.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 10.22% |
| Net interest margin | 3.99% |
| Efficiency ratio | 70.80% |
| Yield on earning assets | 5.97% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.42% |
| Core deposits to total deposits | 94.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.83% |
| Securities to assets | 19.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.75% | 12.75% | 13.92% | 9.63% | 0.49% |
| Q4 2023 | 12.37% | 12.37% | 13.57% | 8.38% | 0.28% |
| Q1 2024 | 11.92% | 11.92% | 13.09% | 8.09% | 0.24% |
| Q2 2024 | 11.61% | 11.61% | 12.76% | 8.04% | 0.30% |
| Q3 2024 | 11.09% | 11.09% | 12.18% | 8.04% | 0.54% |
| Q4 2024 | 11.04% | 11.04% | 12.11% | 8.22% | 0.45% |
| Q1 2025 | 10.69% | 10.69% | 11.73% | 8.26% | 0.47% |
| Q2 2025 | 10.74% | 10.74% | 11.82% | 8.56% | 0.79% |
| Q3 2025 | 11.54% | 11.54% | 12.55% | 9.69% | 0.76% |
| Q4 2025 | 11.79% | 11.79% | 12.79% | 9.20% | 0.81% |
| Q1 2026 | 11.83% | 11.83% | 12.84% | 9.10% | 0.75% |
| Q2 2026 | 11.64% | 11.64% | 12.66% | 9.25% | 0.74% |
Bank of the Lowcountry vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Lowcountry, 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 Bank of the Lowcountry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27496) · FFIEC NIC profile (RSSD 1404481)