BlastPoint's Banking Scorecard

Arthur State Bank

$100M-$1B Specialty: Commercial SC FDIC cert 15085

Union, SC

19 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Arthur State Bank has 2 strengths but faces 2 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

+ Net Interest Margin 0.51% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency Ratio 5.81% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$825.8M +4.7% YoY +1.4% QoQ	+$439.7M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Top 7.1% in tier
Total Loans ?	$599.8M +6.5% YoY +1.4% QoQ	+$344.0M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	Top 6.2% in tier
Total Deposits ?	$692.5M +1.5% YoY +3.9% QoQ	+$364.6M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Top 7.2% in tier
Return on Assets ?	1.07% -1.3% YoY -8.5% QoQ	-0.20%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	4.44% +3.9% YoY +0.3% QoQ	+0.51%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	71.09% +5.0% YoY +4.5% QoQ	+5.81%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.61% -7.5% YoY +5.3% QoQ	-0.27%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	86.60% +5.0% YoY -2.4% QoQ	+9.97%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	27.64% -8.7% YoY -1.3% QoQ	+5.62%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.46% -3.1% YoY +5.1% QoQ	-0.18%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	12.17% +3.1% YoY +0.5% QoQ	-3.66%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.22% -3.6% YoY -76.0% QoQ	-0.06%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	Top 11.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

166

Total Loans

size

Value: $599.76M

Peer Median: $255.72M

#166 of 2664 Top 6.2% in $100M-$1B

191

Total Assets

size

Value: $825.81M

Peer Median: $386.08M

#191 of 2664 Top 7.1% in $100M-$1B

194

Total Deposits

size

Value: $692.54M

Peer Median: $327.97M

#194 of 2664 Top 7.2% in $100M-$1B

312

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#312 of 2664 Top 11.7% in $100M-$1B

538

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#538 of 2664 Top 20.2% in $100M-$1B

656

Non-Interest-Bearing Deposit Share

funding

Value: 27.64%

Peer Median: 22.02%

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available