CBL State Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
CBL State Savings Bank is an FDIC-insured savings bank headquartered in Greer, SC, established in 1907 (FDIC certificate 31900), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $191.3M, up 3.5% from Q2 2025, the 33rd largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31900
- Headquarters
- Greer, SC
- Established
- 1907
- Total assets, Q2 2026
- $191.3M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 15.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 253272229
- Latest call report
- Q2 2026, FFIEC 051 · CBL State Savings Bank call report
- Holding company
- CITIZENS BUILDING AND LOAN MHC
- Asset rank in state
- 33rd of 43 in South Carolina
CBL State Savings Bank spends more to run itself than most banks of its size. It reported $191 million in assets at June 30, 2026, up 3.5% from a year earlier. It earns about $0.04 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its margin is thin by comparison: it keeps 2.16 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, CBL State Savings Bank reported a return on assets of 0.04%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
Of the 43 banks headquartered in South Carolina, CBL State Savings Bank is the 33rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $191.3M, loans fell 0.2% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 83.1% of total loans, ahead of construction and land development loans at 10.9%. Its 2 offices in the FDIC Summary of Deposits are in Greer, SC and Landrum, SC; its Greer office books 76% of its branch deposits. On its Q2 2026 call report, CBL State Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 229 Trade St, Greer, SC 29651
- County
- Greenville
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Former names
- Citizens Building and Loan, SSB (2012-2023)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $125.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$28K
- Average total assets
- $190.9M
- Average total loans
- $117.6M
- Average interest-bearing deposits
- $124.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31900
- Fed RSSD
- 851172
- Website
- www.mycbl.bank →
- Parent Holding Company
- CITIZENS BUILDING AND LOAN MHC (RSSD 4880358)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, CBL State Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, CBL State Savings Bank's total assets ranged from $150.0M (Q4 2023) to $191.3M (Q2 2026), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$191.3M total assets against $184.8M; $162.2M total liabilities against $156.0M.
$116.6M net loans and leases against $111.7M; $125.9M total deposits against $119.1M.
$41.3M securities against $41.4M; $18.2M cash and balances due against $16.8M.
$2.3M total interest income against $2.2M; $1.4M total interest expense against $1.4M.
$943K net interest income against $830K.
$42K total noninterest income against $42K; $968K total noninterest expense against $927K.
$0 provision for credit losses against $15K.
$17K net income against -$52K.
0.04% return on assets against -0.11%; 2.16% net interest margin against 1.91%.
15.93% tier 1 leverage ratio against 16.47%.
Inside the full CBL State Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCBL State Savings Bank rankings
Its closest position to the top of a national ranking is 3,023 of 4,196, for total assets; its furthest is 3,541 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.32% (Q4 2025) to 0.16% (Q1 2026) and its net interest margin ran from 1.52% (Q4 2024) to 2.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.93% | 0.04% | 0.01% | 0.06% | 2.16% |
| Q1 2026 | 16.02% | 0.16% | 0.05% | 0.18% | 2.11% |
| Q4 2025 | 16.12% | -0.32% | 0.05% | 0.19% | 2.01% |
| Q3 2025 | 16.26% | -0.06% | 0.05% | 0.20% | 1.94% |
| Q2 2025 | 16.47% | -0.11% | 0.05% | 0.20% | 1.91% |
| Q1 2025 | 16.28% | -0.10% | 0.06% | 0.21% | 1.82% |
| Q4 2024 | 16.13% | -0.28% | 0.31% | 1.13% | 1.52% |
| Q3 2024 | 16.28% | -0.21% | 0.34% | 1.25% | 1.60% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| CBL State Savings Bank (main office) | Greer , SC | 29651 | $95.6M |
| Landrum Branch | Landrum , SC | 29356 | $30.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)). These actions name the parent holding company, CITIZENS BUILDING AND LOAN MHC, not the bank itself
- October 15, 2004, OCC (former OTS): Supervisory Agreement: Citizens Building and Loan Association
- Period: Most recent institution action October 15, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SC, rank 58 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 60 applications, 45 loans originated, $12.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 CBL State Savings Bank
What are CBL State Savings Bank's total assets?
As of the Q2 2026 filing, CBL State Savings Bank reported total assets of $191.3 million in its FFIEC call report.
Where is CBL State Savings Bank headquartered?
It is headquartered in Greer, SC, United States.
When was CBL State Savings Bank founded?
It was established in 1907, per the FDIC institution directory.
Is CBL State Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #31900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CBL State Savings Bank?
CBL State Savings Bank's primary federal regulator is the FDIC.
How many branches does CBL State Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CBL State Savings Bank's Texas Ratio?
Its Texas Ratio is 0.06% 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.
What was CBL State Savings Bank previously called?
The charter now named CBL State Savings Bank has also operated as Citizens Building and Loan, SSB (2012-2023), per FDIC structure-change records.
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