BlastPoint's Banking Scorecard

Bank of Travelers Rest

$1B-$10B Specialty: Commercial SC FDIC cert 16389

Designations: ✓ Community bank

Travelers Rest, SC

10 branches across SC

884 banks in the $1B-$10B peer group nationally 13 in SC

Bank of Travelers Rest has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 10.9% in tier
+ Profitability Leader: Top 23.5% in tier
+ Efficiency Ratio 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.4% in tier
- Credit Risk Growth: Bottom 25.2% in tier
- Net Interest Margin 0.62% below 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 ?	$1.6B +4.8% YoY +3.0% QoQ	-$1.2B	$2.8B -0.1% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$902.9M +5.8% YoY +1.4% QoQ	-$1.1B	$2.0B +0.6% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$1.4B +2.9% YoY +2.4% QoQ	-$912.6M	$2.3B -0.3% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	1.91% +39.8% YoY +33.4% QoQ	+0.55%	1.37% +19.6% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Top 12.8% in tier
Net Interest Margin ?	3.19% +6.3% YoY -0.1% QoQ	-0.62%	3.82% +6.9% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	60.47% +0.5% YoY +1.0% QoQ	-0.59%	61.06% -4.6% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.14% +333.1% YoY -12.4% QoQ	-0.75%	0.89% +14.1% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	63.11% +2.8% YoY -1.0% QoQ	-21.09%	84.20% +0.3% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	Top 10.4% in tier
Non-Interest-Bearing Deposit Share ?	15.11% -0.0% YoY +0.1% QoQ	-6.18%	21.29% -2.5% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.08% +337.4% YoY -13.7% QoQ	-0.60%	0.67% +15.6% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 11.0% in tier
Tier 1 Capital Ratio ?	15.33% +3.5% YoY +1.1% QoQ	+0.17%	15.16% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.23% -2.5% YoY -75.4% QoQ	-0.03%	0.26% +1.6% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	77%

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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 (2)

Credit Quality Leader

growth

#25 of 220 • Top 10.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Profitability Leader

growth

#53 of 221 • Top 23.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#80 of 513 • Bottom 15.4% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#107 of 420 • Bottom 25.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 63.11%

Peer Median: 84.20%

#93 of 884 Top 10.4% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#98 of 884 Top 11.0% in $1B-$10B

114

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.37%

#114 of 884 Top 12.8% in $1B-$10B

134

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 0.89%

#134 of 880 Top 15.1% in $1B-$10B

204

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.26%

#204 of 884 Top 23.0% in $1B-$10B

215

Tier 1 Capital Ratio

capital

Value: 15.33%

Peer Median: 15.16%

#215 of 884 Top 24.2% in $1B-$10B

Top Weaknesses (2 metrics)

671

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.82%

#671 of 884 Bottom 24.2% in $1B-$10B

664

Total Loans

size

Value: $902.91M

Peer Median: $1.96B

#664 of 884 Bottom 25.0% in $1B-$10B