Dedicated Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dedicated Community Bank of Darlington, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.34% | -0.37% | 32nd below |
| ROAE | 11.16% | 13.31% | -2.15% | 43rd below |
| Net Interest Margin | 4.69% | 3.93% | +0.76% | 86th top |
| Efficiency Ratio | 73.85% | 61.14% | +12.71% | 21st bottom |
| PPNR / Avg Assets | 1.22% | 1.68% | -0.46% | 29th below |
| Yield on Earning Assets | 5.81% | 5.67% | +0.14% | 59th above |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 4.24% | 3.32% | +0.92% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.58% | 1.28% | -0.70% | 4th bottom |
| ACL / NPLs (Coverage) | 125.79% | 1538.82% | -1413.03% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.77% | 7.33% | -3.56% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.71% | 19.50% | -6.79% | 24th bottom |
| Tier 1 Ratio | 12.71% | 19.54% | -6.83% | 24th bottom |
| Total Capital Ratio | 13.31% | 20.62% | -7.31% | 20th bottom |
| Leverage Ratio | 9.27% | 12.14% | -2.87% | 17th bottom |
| Equity / Assets | 8.86% | 11.37% | -2.51% | 25th below |
| TCE / Tangible Assets | 8.86% | 11.09% | -2.23% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.94% | 80.64% | +2.30% | 45th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.63% | 86.86% | +0.77% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.18% | 6.85% | -8.03% | 13th bottom |
| Loan Growth (Y/Y) | -0.10% | 7.90% | -8.00% | 22nd bottom |
| Deposit Growth (Y/Y) | -2.05% | 6.29% | -8.34% | 13th bottom |
See Dedicated Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dedicated Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dedicated Community Bank profile, how to read a UBPR, or how this data updates.