Countybank
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Data as of · sourced from FFIEC call reports. How we update
Countybank is an FDIC-insured commercial bank headquartered in Greenwood, SC, established in 1933 (FDIC certificate 9155), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $733.0M, up 1.2% from Q2 2025, the 18th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 14.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9155
- Headquarters
- Greenwood, SC
- Established
- 1933
- Total assets, Q2 2026
- $733.0M
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 14.78%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 053206819
- Holding company
- TCB CORPORATION
- Asset rank in state
- 18th of 43 in South Carolina
Countybank is one of the more profitable banks of its size. The Greenwood, South Carolina bank had $733 million in assets at June 30, 2026, up 1.2% from a year earlier. It returns 22.4% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also pays an average of 0.91% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $20 million equal 31% of Tier 1 capital, down from 40% a year earlier. Its $46 million non-owner-occupied commercial real estate book is improving, with 0.88% past due or on nonaccrual, down from 2.46% a year earlier. Where it has less room is capital: it funds 8.72% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Countybank reported a CET1 capital ratio of 14.78%, a return on assets of 1.37%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 5.29%. The figures come from its call report filed with the FFIEC.
Countybank ranks as the 18th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $733.0M, loans rose 3.2% and deposits fell 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.4% of total loans, followed by owner-occupied commercial real estate loans at 27.8%. The FDIC Summary of Deposits lists 10 offices for it, in 4 cities in SC; its Greenwood 5 offices book 73% of its branch deposits. Judged on its Q2 2026 call report, Countybank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 419 Main St, Greenwood, SC 29646
- County
- Greenwood
- Metro Area
- Greenwood, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 5, 1933
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 169
- Domestic deposits
- $623.1M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- -$41K
- Average total assets
- $752.1M
- Average total loans
- $403.9M
- Average interest-bearing deposits
- $458.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9155
- Fed RSSD
- 271529
- Website
- www.ecountybank.com →
- Parent Holding Company
- TCB CORPORATION (RSSD 3147625)
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, Countybank's total assets ran between $690.2M (Q2 2024) and $748.4M (Q1 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
$733.0M total assets against $724.1M; $687.2M total liabilities against $686.1M.
$407.7M net loans and leases against $412.1M; $623.1M total deposits against $627.9M.
$229.4M securities against $221.7M; $59.5M cash and balances due against $55.0M.
$8.2M total interest income against $7.9M; $1.5M total interest expense against $1.7M.
$6.7M net interest income against $6.2M.
$4.9M total noninterest income against $4.2M; $9.0M total noninterest expense against $8.0M.
$0 provision for credit losses against $0.
$2.6M net income against $2.2M.
1.37% return on assets against 1.21%; 3.95% net interest margin against 3.74%.
14.78% CET1 capital ratio against 14.34%; 8.72% tier 1 leverage ratio against 8.54%.
Inside the full Countybank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCountybank rankings
Its closest position to the top of a national ranking is 1,328 of 4,196, for total assets; its furthest is 3,109 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q3 2024) to 1.46% (Q1 2026) and its net interest margin ran from 3.35% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 1.37% | 0.44% | 5.29% | 3.95% |
| Q1 2026 | 15.20% | 1.46% | 0.26% | 3.63% | 3.81% |
| Q4 2025 | 15.44% | 1.17% | 0.68% | 5.53% | 3.79% |
| Q3 2025 | 14.92% | 1.31% | 0.80% | 6.99% | 3.73% |
| Q2 2025 | 14.34% | 1.21% | 0.80% | 8.34% | 3.74% |
| Q1 2025 | 14.60% | 1.03% | 0.81% | 8.32% | 3.63% |
| Q4 2024 | 14.50% | 1.39% | 0.74% | 8.49% | 3.61% |
| Q3 2024 | 14.61% | 1.01% | 0.29% | 2.79% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Countybank (main office) | Greenwood , SC | 29646 | $268.0M |
| Greenwood Calhoun Ave Financial Center Branch | Greenwood , SC | 29646 | $104.6M |
| Greenwood Reynolds Ave Financial Center | Greenwood , SC | 29649 | $84.4M |
| Greer Trade Street Financial Center | Greer , SC | 29651 | $52.6M |
| Greenville Mcbee Ave Financial Center | Greenville , SC | 29601 | $48.2M |
| Anderson Branch-Hwy 81 | Anderson , SC | 29621 | $45.6M |
| Greenville Pelham Rd Financial Center | Greenville , SC | 29615 | $18.0M |
| Greer Wade Hampton Blvd Branch | Greer , SC | 29650 | $1.6M |
| Corporate Offices | Greenwood , SC | 29646 | $0 |
| Countybank Trust Services | Greenwood , SC | 29646 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in SC, rank 33 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 876 applications, 642 loans originated, $215.9M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 24 loans, $12.2M approved, $510K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Countybank
What are Countybank's total assets?
As of the Q2 2026 filing, Countybank reported total assets of $733.0 million in its FFIEC call report.
Where is Countybank headquartered?
It is headquartered in Greenwood, SC, United States.
When was Countybank founded?
It was established in 1933, per the FDIC institution directory.
Is Countybank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Countybank?
Countybank's primary federal regulator is the FDIC.
What is Countybank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Countybank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Countybank's Texas Ratio?
Its Texas Ratio is 5.29% 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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