Dedicated Community Bank: 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 climbed 72.77 percentage points in Q2 2026, from 53.02% to 125.79%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Dedicated Community Bank is 28th of 44 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Dedicated Community Bank sits 0.28 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.71% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.27% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.77% |
| Allowance for credit losses to loans | 0.58% |
| Reserve coverage of non-performing loans | 125.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 11.16% |
| Net interest margin | 4.69% |
| Efficiency ratio | 73.85% |
| Yield on earning assets | 5.81% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.94% |
| Core deposits to total deposits | 87.63% |
| Brokered deposits to total deposits | 2.44% |
| Deposits to assets | 90.57% |
| Securities to assets | 12.66% |
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 | 11.51% | 11.51% | 12.47% | 9.07% | 0.68% |
| Q4 2023 | 11.33% | 11.33% | 12.26% | 9.11% | 0.47% |
| Q1 2024 | 11.29% | 11.29% | 12.28% | 8.84% | 0.19% |
| Q2 2024 | 11.67% | 11.67% | 12.72% | 8.89% | 0.35% |
| Q3 2024 | 11.19% | 11.19% | 12.25% | 8.84% | 0.47% |
| Q4 2024 | 12.00% | 12.00% | 12.50% | 8.42% | 0.69% |
| Q1 2025 | 11.11% | 11.11% | 11.60% | 8.24% | 0.61% |
| Q2 2025 | 11.15% | 11.15% | 11.67% | 8.38% | 0.75% |
| Q3 2025 | 11.64% | 11.64% | 12.21% | 8.70% | 1.02% |
| Q4 2025 | 11.81% | 11.81% | 12.37% | 8.89% | 0.65% |
| Q1 2026 | 11.90% | 11.90% | 12.48% | 8.94% | 0.81% |
| Q2 2026 | 12.71% | 12.71% | 13.31% | 9.27% | 0.97% |
Dedicated Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dedicated Community Bank, 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 Dedicated Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26588) · FFIEC NIC profile (RSSD 513322)