BlastPoint's Banking Scorecard
Bank of the Lowcountry
Walterboro, 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 +5.6% year over year ($365.0M on the books).
- Delinquency rate 0.16%.
- Return on assets 0.75%.
- Efficiency ratio 74.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of the Lowcountry has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency Ratio 10.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$430.2M
+16.6% YoY
+1.5% QoQ
|
+$43.7M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$323.3M
+14.0% YoY
+4.8% QoQ
|
+$65.0M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$365.0M
+5.6% YoY
-3.2% QoQ
|
+$38.2M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
0.75%
+17.3% YoY
-1.8% QoQ
|
-0.57% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.96%
+4.0% YoY
+1.1% QoQ
|
-0.03% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
74.95%
-2.7% YoY
-2.2% QoQ
|
+10.47% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.16%
-31.8% YoY
-44.6% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
88.58%
+7.9% YoY
+8.3% QoQ
|
+10.63% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
16.60%
-0.3% YoY
+4.7% QoQ
|
-5.43% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.12%
-33.4% YoY
-42.8% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.64%
+8.3% YoY
-1.6% QoQ
|
-4.27% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.07%
-48.3% YoY
+120.1% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.3% in tier |
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 |
16.6%
-0.1pp YoY +0.7pp QoQ |
-5.6pp | 22.1% | 21.7% | 22.2% | 30% |
| 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 |
12.2%
+0.3pp YoY -0.3pp QoQ |
+0.7pp | 11.6% | 9.8% | 12.5% | 64% |
| CRE |
48.4%
-1.9pp YoY +0.4pp QoQ |
+8.8pp | 39.5% | 43.3% | 41.4% | 68% |
| 1-4 Family |
34.2%
+0.9pp YoY +0.3pp QoQ |
+1.6pp | 32.6% | 44.4% | 31.3% | 60% |
| Consumer |
3.2%
-0.4pp YoY -0.3pp QoQ |
-0.9pp | 4.1% | 4.5% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
+0.9pp YoY -0.2pp QoQ |
-7.2pp | 18.8% | 18.1% | 19.7% | 13% |
| Leverage Ratio |
9.3%
+0.7pp YoY +0.2pp QoQ |
-2.9pp | 12.2% | 12.3% | 12.6% | 16% |
| Total Capital Ratio |
12.7%
+0.8pp YoY -0.2pp QoQ |
-7.3pp | 19.9% | 19.1% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
61
+6 (+10.9%) YoY +4 (+7.0%) QoQ |
+2 | 58 | 174 | 482 | 64% |
| Assets per Employee ($) |
$7.1M
+5.1% YoY -5.2% QoQ |
-$465K | $7.5M | $7.8M | $8.8M | 53% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 12 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.5% | 1.0% | 25% |
| Allowance Coverage |
6.03x
+41.6% YoY +81.1% QoQ |
-18.12x | 24.15x | 15.59x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-1.3pp YoY -0.5pp QoQ |
-1.8pp | 12.2% | 11.7% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.1%
0.0pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 75% |
| Net Income ($, YTD) |
$1.6M
+36.4% YoY — QoQ |
-$970K | $2.6M | $9.6M | $40.4M | 44% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.