Dedicated Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Dedicated Community Bank is an FDIC-insured commercial bank headquartered in Darlington, SC, established in 1986 (FDIC certificate 26588), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $100.6M, down 1.2% from Q2 2025, the 40th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.71% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26588
- Headquarters
- Darlington, SC
- Established
- 1986
- Total assets, Q2 2026
- $100.6M
- Assets vs Q2 2025
- -1.2%
- CET1 ratio, Q2 2026
- 12.71%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 053201856
- Holding company
- DARLINGTON COUNTY BANCSHARES, INC.
- Asset rank in state
- 40th of 43 in South Carolina
Dedicated Community Bank, based in Darlington, South Carolina, reported $101 million in assets at June 30, 2026, down 1.2% from a year earlier. It lost 2.0% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 27% from a year earlier, to $246,000. The commercial and industrial book ($9.4 million) is worsening: 0.88% of it is past due or on nonaccrual, up from 0.34% a year earlier. Where it has less room is capital: it funds 9.27% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Dedicated Community Bank reported a CET1 capital ratio of 12.71%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Dedicated Community Bank is the 40th largest of the 43 banks headquartered in South Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $100.6M, loans rose 1.4% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.2% of total loans, followed by owner-occupied commercial real estate loans at 25.3%. The FDIC Summary of Deposits lists 2 offices for it, in Darlington, SC and Florence, SC; its Darlington office books 84% of its branch deposits. Judged on its Q2 2026 call report, Dedicated Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 Cashua St, Darlington, SC 29532
- County
- Darlington
- Metro Area
- Florence, 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
- —
- Call Report form
- FFIEC 051
- Established
- March 10, 1986
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $91.1M
- Allowance for credit losses
- $439K
- Net charge-offs (YTD)
- $0
- Average total assets
- $101.2M
- Average total loans
- $75.7M
- Average interest-bearing deposits
- $65.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 10, 1986
- FDIC Cert
- 26588
- Fed RSSD
- 513322
- SEC CIK
- 1109299 → filed by DARLINGTON COUNTY BANCSHARES, INC.
- Website
- http://www.dcbsc.com →
- Parent Holding Company
- DARLINGTON COUNTY BANCSHARES, INC. (RSSD 2798440)
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
Dedicated Community Bank's total assets moved between a low of $92.5M (Q4 2023) and a high of $105.1M (Q1 2025) from Q3 2023 to 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
$100.6M total assets against $101.8M; $91.7M total liabilities against $93.6M.
$75.1M net loans and leases against $75.2M; $91.1M total deposits against $93.0M.
$12.7M securities against $13.5M; $7.7M cash and balances due against $8.2M.
$1.4M total interest income against $1.4M; $267K total interest expense against $326K.
$1.1M net interest income against $1.0M.
$78K total noninterest income against $71K; $888K total noninterest expense against $843K.
$0 provision for credit losses against $30K.
$246K net income against $194K.
0.97% return on assets against 0.75%; 4.69% net interest margin against 4.26%.
12.71% CET1 capital ratio against 11.15%; 9.27% tier 1 leverage ratio against 8.38%.
Inside the full Dedicated Community 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Dedicated Community Bank rankings
Its closest position to the top of a national ranking is 1,636 of 3,640, for Texas Ratio; its furthest is 3,660 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 1.02% (Q3 2025) and its net interest margin ran from 4.03% (Q1 2025) to 4.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 0.97% | 0.47% | 3.77% | 4.69% |
| Q1 2026 | 11.90% | 0.81% | 0.41% | 3.30% | 4.40% |
| Q4 2025 | 11.81% | 0.65% | 0.41% | 3.37% | 4.60% |
| Q3 2025 | 11.64% | 1.02% | 0.55% | 4.66% | 4.61% |
| Q2 2025 | 11.15% | 0.75% | 0.57% | 5.02% | 4.26% |
| Q1 2025 | 11.11% | 0.61% | 0.50% | 4.22% | 4.03% |
| Q4 2024 | 12.00% | 0.69% | 0.51% | 4.43% | 4.20% |
| Q3 2024 | 11.19% | 0.47% | 1.15% | 9.63% | 4.06% |
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 |
|---|---|---|---|
| Dedicated Community Bank (main office) | Darlington , SC | 29532 | $77.0M |
| Florence Branch | Florence , SC | 29501 | $14.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 63 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 27 loans originated, $3.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Dedicated Community Bank
What are Dedicated Community Bank's total assets?
As of the Q2 2026 filing, Dedicated Community Bank reported total assets of $100.6 million in its FFIEC call report.
Where is Dedicated Community Bank headquartered?
It is headquartered in Darlington, SC, United States.
When was Dedicated Community Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Dedicated Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dedicated Community Bank?
Dedicated Community Bank's primary federal regulator is the FDIC.
What is Dedicated Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.71% in its Q2 2026 call report, above regulatory requirements.
How many branches does Dedicated Community 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 Dedicated Community Bank's Texas Ratio?
Its Texas Ratio is 3.77% 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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