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The Commercial Bank

$100M-$1B Specialty: Other SC FDIC cert 14642

Honea Path, SC

8 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +5.3% year over year ($251.4M on the books).
  • Delinquency rate 0.76%.
  • Return on assets 0.77%.
  • Efficiency ratio 75.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 40.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

The Commercial Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 29.7% in tier
  • - Credit Quality Pressure: Bottom 37.0% in tier
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.99% below tier average
  • - Efficiency Ratio 10.57% above tier average
Get updates when The Commercial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $284.2M
+8.9% YoY -1.9% QoQ
-$102.4M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $101.2M
+6.9% YoY +3.4% QoQ
-$157.1M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $251.4M
+5.3% YoY -2.4% QoQ
-$75.4M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.77%
+4.4% YoY +11.9% QoQ
-0.55% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.00%
+1.5% YoY +2.9% QoQ
-0.99% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
Bottom 10.0% in tier
Efficiency Ratio ? 75.04%
-1.4% YoY -2.8% QoQ
+10.57% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.76%
+16.5% YoY -5.3% QoQ
-0.16% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 40.26%
+1.5% YoY +6.0% QoQ
-37.69% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
Top 4.3% in tier
Non-Interest-Bearing Deposit Share ? 33.27%
+10.7% YoY -3.9% QoQ
+11.24% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
Top 11.8% in tier
Nonperforming Asset Ratio ? 0.27%
+14.3% YoY -0.2% QoQ
-0.40% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 12.65%
-57.2% YoY -57.7% QoQ
-3.26% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.22%
-19.3% YoY +109.5% QoQ
-0.34% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 33.3%
+3.2pp YoY
-1.4pp QoQ
 +11.1pp 22.1% 21.7% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 5.0%
+0.7pp YoY
-0.1pp QoQ
 -6.6pp 11.6% 9.8% 12.5% 20%
CRE n/a n/a 39.5% 43.3% 41.4% n/a
1-4 Family 58.1%
+0.4pp YoY
-1.4pp QoQ
 +25.5pp 32.6% 44.4% 31.3% 88%
Consumer 11.0%
+1.2pp YoY
+1.8pp QoQ
 +6.8pp 4.1% 4.5% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.1% 19.7% n/a
Leverage Ratio 12.6%
-0.7pp YoY
-0.1pp QoQ
 +0.5pp 12.2% 12.3% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 19.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 62
-2 (-3.1%) YoY
-1 (-1.6%) QoQ
 +3 58 174 482 65%
Assets per Employee ($) $4.6M
+12.5% YoY
-0.3% QoQ
 -$2.9M $7.5M $7.8M $8.8M 9%
Branch Count 8
0 YoY
0 QoQ
 +3 4 12 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.8%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.5% 1.0% 65%
Allowance Coverage 1.50x
-23.5% YoY
+2.4% QoQ
 -22.66x 24.15x 15.59x 20.23x 39%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 9.5%
-0.2pp YoY
+1.0pp QoQ
 -2.7pp 12.2% 11.7% 11.6% 33%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 11%
Net Income ($, YTD) $1.1M
+12.6% YoY
— QoQ
 -$1.5M $2.6M $9.6M $40.4M 29%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#279 of 936 • Bottom 29.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#466 of 1256 • Bottom 37.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.76%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

114
Loan-to-Deposit Ratio
liquidity
Value: 40.26%
Peer Median: 77.95%
#114 of 2643 Top 4.3% in $100M-$1B
313
Non-Interest-Bearing Deposit Share
funding
Value: 33.27%
Peer Median: 22.03%
#313 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (4 metrics)

2379
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.99%
#2379 of 2643 Bottom 10.0% in $100M-$1B
2134
Total Loans
size
Value: $101.22M
Peer Median: $258.35M
#2134 of 2643 Bottom 19.3% in $100M-$1B
2108
Efficiency Ratio
profitability
Value: 75.04%
Peer Median: 64.48%
#2108 of 2643 Bottom 20.3% in $100M-$1B
2071
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.32%
#2071 of 2643 Bottom 21.7% in $100M-$1B
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