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Bank of Travelers Rest

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

Designations: ✓ Community bank

Travelers Rest, SC

11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
  • Deposits +3.9% year over year ($1.4B on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.60%.
  • Efficiency ratio 59.00% vs a 59.73% peer average.
  • Loan-to-deposit ratio 63.95% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 13 in SC
View $1B-$10B leaderboard (SC) →

Bank of Travelers Rest has 4 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 23.5% in tier
  • + Loan-to-Deposit Ratio 21.08% below tier average
  • + ROA 0.21% above tier average
  • + Efficiency Ratio 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.5% in tier
  • - Credit Risk Growth: Bottom 15.4% in tier
  • - Net Interest Margin 0.61% below tier average
Get updates when Bank of Travelers Rest releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $1.6B
+5.8% YoY +0.0% QoQ
-$1.2B $2.8B
-0.6% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $910.7M
+5.0% YoY +0.9% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $1.4B
+3.9% YoY -0.5% QoQ
-$894.8M $2.3B
-0.5% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.60%
+13.0% YoY -16.3% QoQ
+0.21% 1.39%
+17.0% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 3.27%
+4.7% YoY +2.2% QoQ
-0.61% 3.87%
+6.2% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 59.00%
-0.9% YoY -2.4% QoQ
-0.73% 59.73%
-12.6% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.13%
+32.9% YoY -9.3% QoQ
-0.74% 0.87%
+11.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
Top 14.9% in tier
Loan-to-Deposit Ratio ? 63.95%
+1.1% YoY +1.3% QoQ
-21.08% 85.04%
-0.1% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
Top 9.4% in tier
Non-Interest-Bearing Deposit Share ? 15.12%
+1.2% YoY +0.1% QoQ
-6.15% 21.27%
-1.5% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.07%
+32.0% YoY -8.5% QoQ
-0.60% 0.67%
+11.7% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Top 11.5% in tier
Tier 1 Capital Ratio ? 15.87%
+6.6% YoY +3.5% QoQ
+1.03% 14.84%
-0.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.47%
+1.1% YoY +106.9% QoQ
-0.06% 0.53%
+2.5% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
78%

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 15.1%
+0.2pp YoY
0.0pp QoQ
 -6.2pp 21.4% 21.7% 22.2% 28%
Brokered Deposits n/a n/a 9.5% 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 8.0%
0.0pp YoY
-0.4pp QoQ
 -6.0pp 14.0% 9.8% 12.5% 34%
CRE 56.4%
-1.3pp YoY
-2.1pp QoQ
 +6.4pp 50.0% 43.3% 41.4% 67%
1-4 Family 28.9%
+2.0pp YoY
+2.7pp QoQ
 +2.5pp 26.4% 44.4% 31.3% 64%
Consumer 4.4%
-0.5pp YoY
0.0pp QoQ
 -0.3pp 4.7% 4.5% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 15.9%
+1.0pp YoY
+0.5pp QoQ
 +0.3pp 15.6% 18.1% 19.7% 77%
Leverage Ratio 10.3%
+0.7pp YoY
+0.1pp QoQ
 -1.0pp 11.3% 12.3% 12.6% 44%
Total Capital Ratio 17.1%
+1.0pp YoY
+0.6pp QoQ
 +0.4pp 16.7% 19.1% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 172
+2 (+1.2%) YoY
-1 (-0.6%) QoQ
 -142 313 174 482 32%
Assets per Employee ($) $9.3M
+4.5% YoY
+0.6% QoQ
 -$1.2M $10.5M $7.8M $8.8M 58%
Branch Count 10
0 YoY
0 QoQ
 -10 20 12 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.0% 0.4% 23%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.5% 1.0% 13%
Allowance Coverage 10.59x
-24.6% YoY
+10.5% QoQ
 -8.12x 18.71x 15.59x 20.23x 89%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 18.0%
-1.1pp YoY
-3.8pp QoQ
 +5.4pp 12.6% 11.7% 11.6% 86%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 31%
Net Income ($, YTD) $12.7M
+18.5% YoY
— QoQ
 -$6.5M $19.2M $9.6M $40.4M 51%

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 (1)

Credit Quality Leader

growth
#53 of 221 • Top 23.5% in tier

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

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#33 of 492 • Bottom 6.5% in tier

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

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#63 of 402 • Bottom 15.4% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

84
Loan-to-Deposit Ratio
liquidity
Value: 63.95%
Peer Median: 85.04%
#84 of 885 Top 9.4% in $1B-$10B
103
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#103 of 885 Top 11.5% in $1B-$10B
132
Delinquency Rate
credit_quality
Value: 0.13%
Peer Median: 0.87%
#132 of 882 Top 14.9% in $1B-$10B
182
Tier 1 Capital Ratio
capital
Value: 15.87%
Peer Median: 14.84%
#182 of 885 Top 20.5% in $1B-$10B
195
Non-Interest Income / Assets
revenue_mix
Value: 0.47%
Peer Median: 0.53%
#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (1 metrics)

670
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.87%
#670 of 885 Bottom 24.4% in $1B-$10B
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