BlastPoint's Banking Scorecard
Southern Bank
Spartanburg, SC
4 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 +19.9% year over year ($358.4M on the books).
- Delinquency rate 0.28%.
- Return on assets 0.10%.
- Efficiency ratio 91.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southern Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.22% below tier average
- - Efficiency Ratio 27.16% above tier average
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$407.9M
+16.4% YoY
+1.9% QoQ
|
+$21.3M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$262.4M
+25.1% YoY
+3.3% QoQ
|
+$4.0M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$358.4M
+19.9% YoY
+3.3% QoQ
|
+$31.6M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.10%
-34.6% YoY
+13.5% QoQ
|
-1.22% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.4% in tier |
| Net Interest Margin ? |
3.29%
+2.2% YoY
-0.2% QoQ
|
-0.70% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
91.64%
+4.1% YoY
-0.4% QoQ
|
+27.16% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate ? |
0.28%
-69.0% YoY
+137.0% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
73.21%
+4.3% YoY
-0.0% QoQ
|
-4.74% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
10.35%
-13.0% YoY
-2.5% QoQ
|
-11.68% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.3% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-57.9% YoY
+33.8% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
8.18%
-9.3% YoY
-2.2% QoQ
|
-7.73% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.1% in tier |
| Non-Interest Income / Assets ? |
0.16%
+17.4% YoY
+121.4% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
10.3%
-1.6pp YoY -0.3pp QoQ |
-11.8pp | 22.1% | 21.7% | 22.2% | 11% |
| Brokered Deposits |
6.9%
-3.1pp YoY -1.8pp QoQ |
-1.0pp | 7.9% | 10.6% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
-4.1pp YoY -0.8pp QoQ |
-1.5pp | 11.6% | 9.8% | 12.5% | 53% |
| CRE |
64.7%
-0.8pp YoY +0.7pp QoQ |
+25.1pp | 39.5% | 43.3% | 41.4% | 89% |
| 1-4 Family |
23.8%
+5.2pp YoY +0.4pp QoQ |
-8.8pp | 32.6% | 44.4% | 31.3% | 38% |
| Consumer |
1.2%
-0.1pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.5% | 5.0% | 34% |
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 |
8.2%
-0.8pp YoY -0.2pp QoQ |
-4.0pp | 12.2% | 12.3% | 12.6% | 3% |
| 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 |
71
+8 (+12.7%) YoY -1 (-1.4%) QoQ |
+12 | 58 | 174 | 482 | 72% |
| Assets per Employee ($) |
$5.7M
+3.3% YoY +3.4% QoQ |
-$1.8M | $7.5M | $7.8M | $8.8M | 28% |
| Branch Count |
8
+1 (+14.3%) YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.6pp YoY +0.2pp QoQ |
-0.7pp | 0.9% | 0.5% | 1.0% | 36% |
| Allowance Coverage |
3.71x
+207.9% YoY -56.6% QoQ |
-20.44x | 24.15x | 15.59x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
-0.6pp YoY +0.2pp QoQ |
-10.9pp | 12.2% | 11.7% | 11.6% | 5% |
| Cost of Funds (YTD) |
3.0%
-0.1pp YoY 0.0pp QoQ |
+1.3pp | 1.7% | 1.6% | 1.7% | 98% |
| Net Income ($, YTD) |
$206,000
-24.8% YoY — QoQ |
-$2.3M | $2.6M | $9.6M | $40.4M | 5% |
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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.