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Arthur State Bank

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

Union, SC

19 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 +1.0% year over year ($686.1M on the books).
  • Delinquency rate 0.61%.
  • Return on assets 1.12%.
  • Efficiency ratio 70.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.29% 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) →

Arthur State Bank has 2 strengths but faces 4 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 0.53% above tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 17.5% in tier
  • - Credit Quality Pressure: Bottom 23.0% in tier
  • - ROA 0.20% below tier average
  • - Efficiency Ratio 5.59% above tier average
Get updates when Arthur State 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 ? $831.9M
+3.1% YoY +0.7% QoQ
+$445.3M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Top 6.5% in tier
Total Loans ? $612.6M
+6.0% YoY +2.1% QoQ
+$354.3M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
Top 5.5% in tier
Total Deposits ? $686.1M
+1.0% YoY -0.9% QoQ
+$359.4M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
Top 7.7% in tier
Return on Assets ? 1.12%
-0.1% YoY +5.3% QoQ
-0.20% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.52%
+3.6% YoY +1.7% QoQ
+0.53% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 70.07%
+3.3% YoY -1.4% QoQ
+5.59% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.61%
+0.9% YoY -1.0% QoQ
-0.31% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 89.29%
+5.0% YoY +3.1% QoQ
+11.34% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 30.14%
+1.5% YoY +9.0% QoQ
+8.11% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.46%
+6.3% YoY -0.2% QoQ
-0.21% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 12.15%
+1.7% YoY -0.2% QoQ
-3.75% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.43%
-1.3% YoY +98.4% QoQ
-0.13% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
Top 12.3% in tier

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 30.1%
+0.4pp YoY
+2.5pp QoQ
 +8.0pp 22.1% 21.7% 22.2% 82%
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 4.3%
+0.3pp YoY
-0.1pp QoQ
 -7.3pp 11.6% 9.8% 12.5% 16%
CRE 36.9%
+0.1pp YoY
-0.4pp QoQ
 -2.6pp 39.5% 43.3% 41.4% 47%
1-4 Family 57.7%
-0.2pp YoY
+0.5pp QoQ
 +25.1pp 32.6% 44.4% 31.3% 88%
Consumer 0.9%
-0.1pp YoY
0.0pp QoQ
 -3.2pp 4.1% 4.5% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 12.2%
+0.2pp YoY
0.0pp QoQ
 -6.7pp 18.8% 18.1% 19.7% 19%
Leverage Ratio 8.3%
+0.1pp YoY
0.0pp QoQ
 -3.9pp 12.2% 12.3% 12.6% 4%
Total Capital Ratio 13.4%
+0.2pp YoY
0.0pp QoQ
 -6.6pp 19.9% 19.1% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 150
-8 (-5.1%) YoY
-2 (-1.3%) QoQ
 +91 58 174 482 98%
Assets per Employee ($) $5.5M
+8.6% YoY
+2.1% QoQ
 -$2.0M $7.5M $7.8M $8.8M 24%
Branch Count 19
+1 (+5.6%) YoY
0 QoQ
 +14 4 12 18 99%

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 0.6%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.9% 0.5% 1.0% 58%
Allowance Coverage 1.73x
-1.1% YoY
+0.4% QoQ
 -22.42x 24.15x 15.59x 20.23x 43%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 16.8%
-1.7pp YoY
+0.7pp QoQ
 +4.6pp 12.2% 11.7% 11.6% 76%
Cost of Funds (YTD) 0.8%
+0.2pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $4.6M
+4.3% YoY
— QoQ
 +$2.1M $2.6M $9.6M $40.4M 85%

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
#165 of 936 • Bottom 17.5% 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

Credit Quality Pressure

risk
#290 of 1256 • Bottom 23.0% in tier

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

Why this signature
Delinquency Rate: 0.61%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (6 metrics)

147
Total Loans
size
Value: $612.64M
Peer Median: $258.35M
#147 of 2643 Top 5.5% in $100M-$1B
173
Total Assets
size
Value: $831.91M
Peer Median: $386.57M
#173 of 2643 Top 6.5% in $100M-$1B
205
Total Deposits
size
Value: $686.09M
Peer Median: $326.73M
#205 of 2643 Top 7.7% in $100M-$1B
325
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#325 of 2643 Top 12.3% in $100M-$1B
465
Non-Interest-Bearing Deposit Share
funding
Value: 30.14%
Peer Median: 22.03%
#465 of 2643 Top 17.6% in $100M-$1B
522
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#522 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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