BlastPoint's Banking Scorecard

Dedicated Community Bank

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

Darlington, SC

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
Deposits -2.0% year over year ($91.1M on the books).
Delinquency rate 0.47%.
Return on assets 0.89%.
Efficiency ratio 75.47% vs a 64.48% peer average.
Loan-to-deposit ratio 82.46% vs a 77.95% peer average.

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

2643 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 0.56% above tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 14.6% in tier
- ROA 0.43% below tier average
- Efficiency Ratio 10.99% above tier average

Get updates when Dedicated Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$100.6M -1.2% YoY -1.1% QoQ	-$286.0M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	Bottom 0.2% in tier
Total Loans ?	$75.1M -0.1% YoY +1.4% QoQ	-$183.2M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	Bottom 8.6% in tier
Total Deposits ?	$91.1M -2.0% YoY -1.1% QoQ	-$235.6M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	Bottom 2.8% in tier
Return on Assets ?	0.89% +30.2% YoY +9.8% QoQ	-0.43%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	4.54% +8.2% YoY +3.5% QoQ	+0.56%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	75.47% -2.7% YoY -1.7% QoQ	+10.99%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	0.47% -18.0% YoY +15.3% QoQ	-0.45%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	47%
Loan-to-Deposit Ratio ?	82.46% +2.0% YoY +2.5% QoQ	+4.50%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	25.62% +0.1% YoY -1.5% QoQ	+3.59%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.35% -17.1% YoY +18.2% QoQ	-0.32%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	12.71% +13.9% YoY +6.8% QoQ	-3.20%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.15% +13.1% YoY +107.6% QoQ	-0.41%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	35%

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	25.6% 0.0pp YoY -0.4pp QoQ	+3.5pp	22.1%	21.7%	22.2%	68%
Brokered Deposits	2.4% +0.5pp YoY +0.3pp QoQ	-5.4pp	7.9%	10.6%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	12.5% -1.1pp YoY -1.0pp QoQ	+0.9pp	11.6%	9.8%	12.5%	66%
CRE	52.7% 0.0pp YoY -0.3pp QoQ	+13.2pp	39.5%	43.3%	41.4%	75%
1-4 Family	27.3% +1.1pp YoY +0.6pp QoQ	-5.3pp	32.6%	44.4%	31.3%	45%
Consumer	1.5% 0.0pp YoY 0.0pp QoQ	-2.6pp	4.1%	4.5%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	12.7% +1.6pp YoY +0.8pp QoQ	-6.1pp	18.8%	18.1%	19.7%	24%
Leverage Ratio	9.3% +0.9pp YoY +0.3pp QoQ	-2.9pp	12.2%	12.3%	12.6%	16%
Total Capital Ratio	13.3% +1.6pp YoY +0.8pp QoQ	-6.6pp	19.9%	19.1%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	19 +1 (+5.6%) YoY +2 (+11.8%) QoQ	-40	58	174	482	9%
Assets per Employee ($)	$5.3M -6.4% YoY -11.5% QoQ	-$2.2M	$7.5M	$7.8M	$8.8M	19%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY	-0.3pp	0.3%	0.0%	0.4%	11%
Nonaccrual	0.5% 0.0pp YoY +0.1pp QoQ	-0.5pp	0.9%	0.5%	1.0%	51%
Allowance Coverage	1.24x +30.4% YoY -14.4% QoQ	-22.91x	24.15x	15.59x	20.23x	33%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	10.3% +1.5pp YoY +0.8pp QoQ	-1.9pp	12.2%	11.7%	11.6%	39%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	17%
Net Income ($, YTD)	$454,000 +29.0% YoY — QoQ	-$2.1M	$2.6M	$9.6M	$40.4M	10%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#78 of 529 • Bottom 14.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.89%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

500

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.99%

#500 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (4 metrics)

2640

Total Assets

size

Value: $100.61M

Peer Median: $386.57M

#2640 of 2643 Bottom 0.2% in $100M-$1B

2569

Total Deposits

size

Value: $91.12M

Peer Median: $326.73M

#2569 of 2643 Bottom 2.8% in $100M-$1B

2418

Total Loans

size

Value: $75.14M

Peer Median: $258.35M

#2418 of 2643 Bottom 8.6% in $100M-$1B

2121

Efficiency Ratio

profitability

Value: 75.47%

Peer Median: 64.48%

#2121 of 2643 Bottom 19.8% in $100M-$1B