The Conway National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Conway National Bank is an FDIC-insured commercial bank headquartered in Conway, SC, established in 1914 (FDIC certificate 2102), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.00B, up 4.8% from Q2 2025, the 6th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 19.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2102
- Headquarters
- Conway, SC
- Established
- 1914
- Total assets, Q2 2026
- $2.00B
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 19.18%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 053202318
- Latest call report
- Q2 2026, FFIEC 041 · The Conway National Bank call report
- Holding company
- CNB CORPORATION
- Asset rank in state
- 6th of 43 in South Carolina
The Conway National Bank, based in Conway, South Carolina, reported $2.0 billion in assets at June 30, 2026, up 4.8% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 27% from a year earlier, to $7.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 14% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, The Conway National Bank reported a CET1 capital ratio of 19.18%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
The Conway National Bank ranks as the 6th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $2.00B, loans rose 1.2% and deposits rose 3.2%. 1-4 family residential loans made up 29.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.2%. The FDIC Summary of Deposits lists 16 offices for it, in 8 cities in SC; its Conway 6 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, The Conway National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1400 3rd Ave, Conway, SC 29526
- County
- Horry
- Metro Area
- Myrtle Beach-Conway-North Myrtle Beach, SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1914
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 248
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $199K
- Average total assets
- $1.96B
- Average total loans
- $857.2M
- Average interest-bearing deposits
- $1.19B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2102
- Fed RSSD
- 631422
- SEC CIK
- 764581 → filed by CNB CORPORATION
- Website
- www.conwaynationalbank.com →
- Parent Holding Company
- CNB CORPORATION (RSSD 1134108)
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
From Q3 2023 to Q2 2026, The Conway National Bank's total assets ranged from $1.76B (Q1 2024) to $2.00B (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
$2.00B total assets against $1.90B; $1.80B total liabilities against $1.73B.
$856.2M net loans and leases against $826.6M; $1.67B total deposits against $1.61B.
$890.0M securities against $868.2M; $202.8M cash and balances due against $157.4M.
$21.4M total interest income against $19.3M; $5.3M total interest expense against $5.4M.
$16.1M net interest income against $14.0M.
$2.5M total noninterest income against $2.4M; $9.0M total noninterest expense against $8.5M.
$276K provision for credit losses against $466K.
$7.1M net income against $5.6M.
1.45% return on assets against 1.20%; 3.41% net interest margin against 3.10%.
19.18% CET1 capital ratio against 18.27%; 10.23% tier 1 leverage ratio against 9.87%.
Inside the full The Conway National Bank 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Conway National Bank rankings
Its closest position to the top of a national ranking is 600 of 4,196, for total assets; its furthest is 3,243 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q1 2025) to 1.45% (Q2 2026) and its net interest margin ran from 2.84% (Q3 2024) to 3.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.18% | 1.45% | 0.02% | 0.10% | 3.41% |
| Q1 2026 | 18.80% | 1.42% | 0.06% | 0.28% | 3.28% |
| Q4 2025 | 18.47% | 1.33% | 0.05% | 0.23% | 3.25% |
| Q3 2025 | 19.00% | 1.34% | 0.05% | 0.20% | 3.36% |
| Q2 2025 | 18.27% | 1.20% | 0.05% | 0.45% | 3.10% |
| Q1 2025 | 18.11% | 1.04% | 0.10% | 0.47% | 2.88% |
| Q4 2024 | 18.01% | 1.10% | 0.11% | 0.49% | 2.94% |
| Q3 2024 | 18.29% | 1.13% | 0.12% | 0.53% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Conway Banking Center | Conway , SC | 29526 | $556.3M |
| Surfside Beach Branch | Surfside Beach , SC | 29577 | $177.0M |
| Myrtle Beach Branch | Myrtle Beach , SC | 29577 | $143.2M |
| Murrells Inlet Branch | Murrells Inlet , SC | 29576 | $139.5M |
| North Conway Branch | Conway , SC | 29526 | $91.2M |
| Northside Branch | North Myrtle Beach , SC | 29582 | $76.2M |
| Socastee Branch | Myrtle Beach , SC | 29588 | $75.5M |
| Red Hill Branch | Conway , SC | 29526 | $74.4M |
| Aynor Branch | Aynor , SC | 29511 | $70.9M |
| West Conway Branch | Conway , SC | 29526 | $67.0M |
| Little River Branch Office | Little River , SC | 29568 | $67.0M |
| Carolina Forest Branch Office | Myrtle Beach , SC | 29579 | $45.1M |
| North Myrtle Beach Office Branch | North Myrtle Beach , SC | 29582 | $33.1M |
| Pawleys Island Branch | Pawleys Island , SC | 29585 | $30.8M |
| Conway Branch | Conway , SC | 29526 | $22.4M |
| The Conway National Bank | Conway , SC | 29526 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- June 7, 2011, OCC: Formal Agreement: The Conway National Bank
- Period: Most recent institution action June 7, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in SC, rank 14 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 338 applications, 329 loans originated, $82.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $195K approved, $98K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 The Conway National Bank
What are The Conway National Bank's total assets?
As of the Q2 2026 filing, The Conway National Bank reported total assets of $2.00 billion in its FFIEC call report.
Where is The Conway National Bank headquartered?
It is headquartered in Conway, SC, United States.
When was The Conway National Bank founded?
It was established in 1914, per the FDIC institution directory.
Is The Conway National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Conway National Bank?
The Conway National Bank's primary federal regulator is the OCC.
What is The Conway National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Conway National Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Conway National Bank's Texas Ratio?
Its Texas Ratio is 0.10% 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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