BlastPoint's Banking Scorecard
Bank of Greeleyville
Greeleyville, SC
3 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 +11.4% year over year ($144.1M on the books).
- Delinquency rate 0.38%.
- Return on assets 1.43%.
- Efficiency ratio 66.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Greeleyville has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.68% above tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.1M
+8.2% YoY
+1.6% QoQ
|
-$226.4M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$109.2M
+9.2% YoY
+6.4% QoQ
|
-$149.2M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$144.1M
+11.4% YoY
+4.6% QoQ
|
-$182.6M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.43%
+38.1% YoY
+2.9% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
4.67%
+3.3% YoY
+1.7% QoQ
|
+0.68% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
85% |
| Efficiency Ratio ? |
66.51%
-6.5% YoY
-2.1% QoQ
|
+2.03% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.38%
-27.9% YoY
-26.3% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
75.75%
-1.9% YoY
+1.7% QoQ
|
-2.20% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
22.65%
+1.4% YoY
-5.2% QoQ
|
+0.62% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.26%
-27.3% YoY
-22.8% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
10.62%
-3.7% YoY
-2.6% QoQ
|
-5.28% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.31%
+38.5% YoY
+106.2% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
73% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.6%
+0.3pp YoY -1.2pp QoQ |
+0.5pp | 22.1% | 21.7% | 22.2% | 57% |
| 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 |
23.9%
+0.6pp YoY +0.2pp QoQ |
+12.3pp | 11.6% | 9.8% | 12.5% | 92% |
| CRE |
26.1%
+0.7pp YoY -0.3pp QoQ |
-13.4pp | 39.5% | 43.3% | 41.4% | 28% |
| 1-4 Family |
28.9%
-1.1pp YoY -0.6pp QoQ |
-3.8pp | 32.6% | 44.4% | 31.3% | 49% |
| Consumer |
9.9%
+0.4pp YoY +0.4pp QoQ |
+5.8pp | 4.1% | 4.5% | 5.0% | 92% |
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 |
10.6%
-0.4pp YoY -0.3pp QoQ |
-1.5pp | 12.2% | 12.3% | 12.6% | 44% |
| 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 |
30
0 YoY +1 (+3.4%) QoQ |
-29 | 58 | 174 | 482 | 26% |
| Assets per Employee ($) |
$5.3M
+8.2% YoY -1.8% QoQ |
-$2.2M | $7.5M | $7.8M | $8.8M | 20% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.5% | 1.0% | 45% |
| Allowance Coverage |
2.60x
+24.7% YoY +33.9% QoQ |
-21.56x | 24.15x | 15.59x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.4%
-0.1pp YoY -0.2pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+3.7pp YoY +0.5pp QoQ |
+2.3pp | 12.2% | 11.7% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$1.1M
+50.1% YoY — QoQ |
-$1.4M | $2.6M | $9.6M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.