BlastPoint's Banking Scorecard

The Bank of South Carolina

$100M-$1B Specialty: Commercial SC FDIC cert 26912

Charleston, SC

6 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 -2.3% year over year ($497.3M on the books).
Delinquency rate 0.30%.
Return on assets 1.56%.
Efficiency ratio 56.15% vs a 64.48% peer average.
Loan-to-deposit ratio 73.41% 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) →

The Bank of South Carolina demonstrates 4 strengths

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

+ Deposit Franchise: Top 59.4% in tier
+ ROA 0.23% above tier average
+ Efficiency Ratio 8.33% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Bank of South Carolina releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$571.2M -1.6% YoY +1.7% QoQ	+$184.7M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$365.1M +1.8% YoY +2.0% QoQ	+$106.7M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$497.3M -2.3% YoY +1.8% QoQ	+$170.5M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.56% +14.6% YoY +7.3% QoQ	+0.23%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	4.61% +6.2% YoY +4.4% QoQ	+0.62%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	56.15% -4.6% YoY -2.6% QoQ	-8.33%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.30% -1.4% YoY +42.1% QoQ	-0.62%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	73.41% +4.2% YoY +0.2% QoQ	-4.54%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	63%
Non-Interest-Bearing Deposit Share ?	36.88% +13.7% YoY +6.4% QoQ	+14.85%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Top 7.3% in tier
Nonperforming Asset Ratio ?	0.19% +2.0% YoY +42.5% QoQ	-0.48%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	11.76% +4.4% YoY -0.8% QoQ	-4.15%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.19% +27.4% YoY +123.5% QoQ	-0.38%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	46%

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	36.9% +4.4pp YoY +2.2pp QoQ	+14.7pp	22.1%	21.7%	22.2%	93%
Brokered Deposits	n/a	n/a	7.9%	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	14.5% -0.5pp YoY -0.8pp QoQ	+2.9pp	11.6%	9.8%	12.5%	74%
CRE	38.7% -1.8pp YoY +0.7pp QoQ	-0.8pp	39.5%	43.3%	41.4%	50%
1-4 Family	47.2% +2.5pp YoY +0.2pp QoQ	+14.6pp	32.6%	44.4%	31.3%	79%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-3.3pp	4.1%	4.5%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.1%	19.7%	n/a
Leverage Ratio	11.8% +0.5pp YoY -0.1pp QoQ	-0.4pp	12.2%	12.3%	12.6%	62%
Total Capital Ratio	n/a	n/a	19.9%	19.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	81 -4 (-4.7%) YoY -2 (-2.4%) QoQ	+22	58	174	482	77%
Assets per Employee ($)	$7.1M +3.3% YoY +4.2% QoQ	-$466K	$7.5M	$7.8M	$8.8M	53%
Branch Count	6 0 YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.0%	0.4%	n/a
Nonaccrual	0.3% 0.0pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.5%	1.0%	38%
Allowance Coverage	4.12x +16.3% YoY -28.7% QoQ	-20.03x	24.15x	15.59x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	14.8% +0.5pp YoY +1.0pp QoQ	+2.6pp	12.2%	11.7%	11.6%	67%
Cost of Funds (YTD)	0.7% -0.3pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$4.4M +14.9% YoY — QoQ	+$1.9M	$2.6M	$9.6M	$40.4M	84%

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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 (1)

Deposit Franchise

growth

#166 of 278 • Top 59.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.88%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.61%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

194

Non-Interest-Bearing Deposit Share

funding

Value: 36.88%

Peer Median: 22.03%

#194 of 2643 Top 7.3% in $100M-$1B

455

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.99%

#455 of 2643 Top 17.2% in $100M-$1B

544

Total Deposits

size

Value: $497.26M

Peer Median: $326.73M

#544 of 2643 Top 20.5% in $100M-$1B

574

Total Assets

size

Value: $571.24M

Peer Median: $386.57M

#574 of 2643 Top 21.7% in $100M-$1B

646

Total Loans

size

Value: $365.05M

Peer Median: $258.35M

#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available