BlastPoint's Banking Scorecard
The Conway National Bank
Designations: ✓ Community bank
Conway, SC
16 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 +3.5% year over year ($1.7B on the books).
- Delinquency rate 0.02%.
- Return on assets 1.42%.
- Efficiency ratio 47.88% vs a 59.73% peer average.
- Loan-to-deposit ratio 51.29% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Conway National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + Efficiency Ratio 11.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.56% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+4.8% YoY
+2.9% QoQ
|
-$796.1M |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$856.2M
+3.6% YoY
+1.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$1.7B
+3.5% YoY
+3.2% QoQ
|
-$649.5M |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
1.42%
+27.8% YoY
+1.2% QoQ
|
+0.03% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.31%
+11.0% YoY
+2.3% QoQ
|
-0.56% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
47.88%
-9.5% YoY
+1.1% QoQ
|
-11.85% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.02%
-58.2% YoY
-64.7% QoQ
|
-0.84% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
Top 6.0% in tier |
| Loan-to-Deposit Ratio ? |
51.29%
+0.1% YoY
-1.9% QoQ
|
-33.75% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Top 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.80%
-4.8% YoY
+2.3% QoQ
|
+6.53% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.01%
-77.6% YoY
-65.3% QoQ
|
-0.66% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
Top 4.3% in tier |
| Tier 1 Capital Ratio ? |
19.18%
+5.0% YoY
+2.0% QoQ
|
+4.33% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 8.9% in tier |
| Non-Interest Income / Assets ? |
0.24%
+0.7% YoY
+97.3% QoQ
|
-0.28% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
27.8%
-1.4pp YoY +0.6pp QoQ |
+6.4pp | 21.4% | 21.7% | 22.2% | 78% |
| 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 |
11.3%
-1.3pp YoY -0.2pp QoQ |
-2.7pp | 14.0% | 9.8% | 12.5% | 50% |
| CRE |
50.0%
+1.9pp YoY +0.1pp QoQ |
0.0pp | 50.0% | 43.3% | 41.4% | 51% |
| 1-4 Family |
30.3%
+0.2pp YoY 0.0pp QoQ |
+3.8pp | 26.4% | 44.4% | 31.3% | 66% |
| Consumer |
6.8%
-1.0pp YoY -0.2pp QoQ |
+2.1pp | 4.7% | 4.5% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.2%
+0.9pp YoY +0.4pp QoQ |
+3.6pp | 15.6% | 18.1% | 19.7% | 90% |
| Leverage Ratio |
10.2%
+0.4pp YoY +0.2pp QoQ |
-1.1pp | 11.3% | 12.3% | 12.6% | 43% |
| Total Capital Ratio |
20.1%
+0.9pp YoY +0.4pp QoQ |
+3.4pp | 16.7% | 19.1% | 20.8% | 89% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
248
+4 (+1.6%) YoY +4 (+1.6%) QoQ |
-66 | 313 | 174 | 482 | 54% |
| Assets per Employee ($) |
$8.1M
+3.1% YoY +1.2% QoQ |
-$2.4M | $10.5M | $7.8M | $8.8M | 41% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 12 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.0% | 0.4% | 29% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.5% | 1.0% | 2% |
| Allowance Coverage |
48.41x
+151.0% YoY +185.1% QoQ |
+29.70x | 18.71x | 15.59x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+2.7pp YoY +0.1pp QoQ |
+2.1pp | 12.6% | 11.7% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.6% | 1.7% | 7% |
| Net Income ($, YTD) |
$13.9M
+34.7% YoY — QoQ |
-$5.3M | $19.2M | $9.6M | $40.4M | 57% |
Get Full Access to The Conway National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.