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Dedicated Community Bank

$100M-$1B Specialty: Commercial SC FDIC cert 26588

Darlington, SC

2 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Dedicated Community Bank has 2 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

  • + Net Interest Margin 0.46% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.7% in tier
  • - ROA 0.46% below tier average
  • - Efficiency Ratio 11.48% above tier average
Get updates when Dedicated Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $101.7M
-3.2% YoY -1.6% QoQ
-$284.4M $386.1M
+0.5% YoY
$1.5B
+4.7% YoY
$6.2B
+9.1% YoY
Bottom 0.7% in tier
Total Loans ? $74.1M
+4.8% YoY -0.8% QoQ
-$181.6M $255.7M
+1.1% YoY
$993.8M
+7.7% YoY
$3.2B
+10.8% YoY
Bottom 8.9% in tier
Total Deposits ? $92.2M
-4.7% YoY -1.8% QoQ
-$235.8M $328.0M
+0.1% YoY
$1.3B
+4.0% YoY
$4.8B
+8.2% YoY
Bottom 3.3% in tier
Return on Assets ? 0.81%
+32.7% YoY +7.0% QoQ
-0.46% 1.27%
+12.9% YoY
1.18%
+45.0% YoY
1.23%
+13.4% YoY
27%
Net Interest Margin ? 4.39%
+8.5% YoY -0.3% QoQ
+0.46% 3.93%
+6.0% YoY
3.64%
+5.2% YoY
3.89%
+5.7% YoY
77%
Efficiency Ratio ? 76.77%
-3.9% YoY -0.4% QoQ
+11.48% 65.29%
-4.5% YoY
67.38%
-5.7% YoY
66.95%
-4.1% YoY
20%
Delinquency Rate ? 0.41%
-18.1% YoY -1.8% QoQ
-0.48% 0.89%
+18.8% YoY
0.54%
+11.8% YoY
0.95%
+18.8% YoY
50%
Loan-to-Deposit Ratio ? 80.41%
+9.9% YoY +1.1% QoQ
+3.78% 76.64%
+0.8% YoY
73.64%
+1.6% YoY
76.70%
+0.9% YoY
46%
Non-Interest-Bearing Deposit Share ? 26.00%
-6.1% YoY -6.7% QoQ
+3.98% 22.02%
-1.0% YoY
20.84%
-0.7% YoY
22.01%
-1.2% YoY
70%
Nonperforming Asset Ratio ? 0.30%
-11.3% YoY -1.0% QoQ
-0.34% 0.64%
+19.7% YoY
0.34%
+10.8% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 11.90%
+7.1% YoY +0.7% QoQ
-3.93% 15.83%
+1.5% YoY
17.50%
+3.0% YoY
17.06%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.07%
+17.7% YoY -72.7% QoQ
-0.21% 0.28%
+9.3% YoY
0.17%
+48.2% YoY
0.32%
+4.1% YoY
34%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline
#55 of 506 • Bottom 10.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

603
Net Interest Margin
profitability
Value: 4.39%
Peer Median: 3.93%
#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (4 metrics)

2646
Total Assets
size
Value: $101.69M
Peer Median: $386.08M
#2646 of 2664 Bottom 0.7% in $100M-$1B
2577
Total Deposits
size
Value: $92.17M
Peer Median: $327.97M
#2577 of 2664 Bottom 3.3% in $100M-$1B
2429
Total Loans
size
Value: $74.12M
Peer Median: $255.72M
#2429 of 2664 Bottom 8.9% in $100M-$1B
2141
Efficiency Ratio
profitability
Value: 76.77%
Peer Median: 65.29%
#2141 of 2664 Bottom 19.7% in $100M-$1B
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