BlastPoint's Banking Scorecard

The Bank of South Carolina

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

Charleston, SC

6 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in 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

+ ROA 0.18% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 7.62% below tier average
+ Delinquency Rate 0.68% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$561.7M -1.0% YoY -2.5% QoQ	+$175.6M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$357.9M +0.6% YoY -0.1% QoQ	+$102.2M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$488.5M -2.0% YoY -2.6% QoQ	+$160.5M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.45% +10.0% YoY +2.3% QoQ	+0.18%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.42% +4.3% YoY -0.3% QoQ	+0.49%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	57.67% -3.5% YoY -0.5% QoQ	-7.62%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.21% -32.8% YoY -3.9% QoQ	-0.68%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	73.28% +2.6% YoY +2.6% QoQ	-3.36%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	34.66% +5.2% YoY +5.6% QoQ	+12.64%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	Top 10.4% in tier
Nonperforming Asset Ratio ?	0.13% -31.7% YoY -1.5% QoQ	-0.51%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	11.85% +5.2% YoY +3.4% QoQ	-3.98%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.08% +11.3% YoY -73.4% QoQ	-0.20%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	42%

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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 (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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

278

Non-Interest-Bearing Deposit Share

funding

Value: 34.66%

Peer Median: 22.02%

#278 of 2664 Top 10.4% in $100M-$1B

566

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#566 of 2664 Top 21.2% in $100M-$1B

575

Total Deposits

size

Value: $488.45M

Peer Median: $327.97M

#575 of 2664 Top 21.5% in $100M-$1B

603

Total Assets

size

Value: $561.68M

Peer Median: $386.08M

#603 of 2664 Top 22.6% in $100M-$1B

659

Total Loans

size

Value: $357.92M

Peer Median: $255.72M

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available