Countybank: 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.
Reserve coverage of non-performing loans dropped 143.44 percentage points in Q2 2026, from 333.96% to 190.52%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Countybank is 14th of 44 on return on assets, 1.37% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Countybank sits 0.12 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.78% |
| Tier 1 risk-based capital ratio | 14.78% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 8.72% |
| Equity capital to assets | 6.25% |
| Tangible equity to tangible assets | 6.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 5.29% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 190.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 22.44% |
| Net interest margin | 3.95% |
| Efficiency ratio | 76.32% |
| Yield on earning assets | 4.84% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.98% |
| Core deposits to total deposits | 99.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.01% |
| Securities to assets | 31.30% |
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 | 14.52% | 14.52% | 15.37% | 8.54% | 0.84% |
| Q4 2023 | 14.65% | 14.65% | 15.46% | 8.53% | 0.76% |
| Q1 2024 | 14.50% | 14.50% | 15.30% | 8.57% | 0.32% |
| Q2 2024 | 14.64% | 14.64% | 15.44% | 8.71% | 0.86% |
| Q3 2024 | 14.61% | 14.61% | 15.42% | 8.59% | 1.01% |
| Q4 2024 | 14.50% | 14.50% | 15.36% | 8.56% | 1.39% |
| Q1 2025 | 14.60% | 14.60% | 15.47% | 8.55% | 1.03% |
| Q2 2025 | 14.34% | 14.34% | 15.20% | 8.54% | 1.21% |
| Q3 2025 | 14.92% | 14.92% | 15.80% | 8.51% | 1.31% |
| Q4 2025 | 15.44% | 15.44% | 16.30% | 8.52% | 1.17% |
| Q1 2026 | 15.20% | 15.20% | 16.06% | 8.65% | 1.46% |
| Q2 2026 | 14.78% | 14.78% | 15.61% | 8.72% | 1.37% |
Countybank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Countybank, 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 Countybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9155) · FFIEC NIC profile (RSSD 271529)