South Atlantic Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Atlantic Bank of Myrtle Beach, SC against its peer group of 931 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 | 1.10% | 1.44% | -0.34% | 36th below |
| ROAE | 12.64% | 12.50% | +0.14% | 52nd above |
| Net Interest Margin | 3.38% | 3.84% | -0.46% | 30th below |
| Efficiency Ratio | 58.32% | 58.87% | -0.55% | 51st above |
| PPNR / Avg Assets | 1.48% | 1.78% | -0.30% | 36th below |
| Yield on Earning Assets | 5.41% | 5.71% | -0.30% | 42nd below |
| Cost of Funds | 2.14% | 2.03% | +0.11% | 41st below |
| Net Interest Spread | 2.79% | 3.18% | -0.39% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.97% | -0.96% | 96th top |
| NPA / Total Assets | 0.01% | 0.75% | -0.74% | 96th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.95% | 1.25% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) | 11152.67% | 687.24% | +10465.43% | — |
| Texas Ratio | 0.07% | 7.17% | -7.10% | 96th top |
| Provision / NCO | 18000.00% | 791.55% | +17208.45% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.27% | 17.41% | -6.14% | 14th bottom |
| Tier 1 Ratio | 11.27% | 17.45% | -6.18% | 13th bottom |
| Total Capital Ratio | 12.21% | 18.51% | -6.30% | 12th bottom |
| Leverage Ratio | 9.42% | 11.60% | -2.18% | 21st bottom |
| Equity / Assets | 8.64% | 11.33% | -2.69% | 15th bottom |
| TCE / Tangible Assets | 8.39% | 10.65% | -2.26% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.95% | 86.35% | +5.60% | 38th below |
| Core Deposit Ratio | 88.89% | 85.55% | +3.34% | 53rd above |
| Uninsured Deposit Ratio | 25.51% | 32.72% | -7.21% | 70th above |
| Wholesale Funding Ratio | 5.51% | 5.45% | +0.06% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.03% | 10.46% | -4.43% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.58% | 7.99% | -0.41% | 62nd above |
| Deposit Growth (Y/Y) | 3.70% | 7.98% | -4.28% | 42nd below |
See South Atlantic Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Atlantic 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 South Atlantic Bank profile, how to read a UBPR, or how this data updates.