BlastPoint's Banking Scorecard
Southern Bank
Spartanburg, SC
8 branches across GA · SC
Southern Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 45.2% in tier
- - Return on Assets 1.18% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$400.2M
+18.7% YoY
+7.9% QoQ
|
+$14.1M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$254.1M
+24.8% YoY
+8.6% QoQ
|
-$1.7M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$346.9M
+21.1% YoY
+9.4% QoQ
|
+$19.0M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
0.09%
-59.2% YoY
-62.1% QoQ
|
-1.18% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.4% in tier |
| Net Interest Margin ? |
3.29%
-0.1% YoY
-1.9% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
91.97%
+7.8% YoY
+5.2% QoQ
|
+26.68% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate ? |
0.12%
-64.6% YoY
-14.2% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
73.23%
+3.1% YoY
-0.7% QoQ
|
-3.41% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
10.61%
-11.4% YoY
-8.5% QoQ
|
-11.41% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.9% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-46.2% YoY
-12.4% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
8.36%
-10.4% YoY
-7.7% QoQ
|
-7.47% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-5.7% YoY
-71.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.