South Atlantic 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.
The standout move of Q2 2026 was in Deposits to assets: 2.04 percentage points higher than in Q1 2026, at 84.80%. South Atlantic Bank ranks 23rd of 44 South Carolina banks on return on assets, in the lower half at 1.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. South Atlantic Bank sits 0.18 points lower, at 1.10% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.21% |
| Tier 1 leverage ratio | 9.42% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.07% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 11152.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 12.64% |
| Net interest margin | 3.38% |
| Efficiency ratio | 58.32% |
| Yield on earning assets | 5.41% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.95% |
| Core deposits to total deposits | 88.89% |
| Brokered deposits to total deposits | 3.02% |
| Deposits to assets | 84.80% |
| Securities to assets | 14.26% |
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 | 11.94% | 11.94% | 12.83% | 8.90% | 0.66% |
| Q4 2023 | 11.36% | 11.36% | 12.23% | 8.84% | 0.61% |
| Q1 2024 | 11.62% | 11.62% | 12.51% | 8.76% | 0.59% |
| Q2 2024 | 11.55% | 11.55% | 12.43% | 8.55% | 0.63% |
| Q3 2024 | 11.14% | 11.14% | 12.01% | 8.36% | 0.67% |
| Q4 2024 | 10.87% | 10.87% | 11.74% | 8.49% | 0.79% |
| Q1 2025 | 10.83% | 10.83% | 11.70% | 8.67% | 0.83% |
| Q2 2025 | 10.85% | 10.85% | 11.74% | 8.74% | 0.89% |
| Q3 2025 | 11.30% | 11.30% | 12.23% | 8.86% | 1.03% |
| Q4 2025 | 11.21% | 11.21% | 12.15% | 9.19% | 0.95% |
| Q1 2026 | 11.37% | 11.37% | 12.32% | 9.27% | 1.05% |
| Q2 2026 | 11.27% | 11.27% | 12.21% | 9.42% | 1.10% |
South Atlantic Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Atlantic 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 South Atlantic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58689) · FFIEC NIC profile (RSSD 3637247)