BlastPoint's Banking Scorecard

CBL State Savings Bank

$100M-$1B Specialty: Mortgage SC FDIC cert 31900

Greer, 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 +5.7% year over year ($125.9M on the books).
Delinquency rate 0.01%.
Return on assets 0.10%.
Efficiency ratio 94.91% vs a 64.48% peer average.
Loan-to-deposit ratio 92.63% 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) →

CBL State Savings Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.2% in tier
- Return on Assets 1.23% below tier average
- Net Interest Margin 1.85% below tier average
- Efficiency Ratio 30.43% above tier average
- Non-Interest-Bearing Deposit Share 22.03% below tier average
- Non-Interest Income / Assets 0.52% below tier average

Get updates when CBL State Savings 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 ?	$191.3M +3.5% YoY +1.5% QoQ	-$195.3M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$116.6M +4.4% YoY -0.2% QoQ	-$141.7M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$125.9M +5.7% YoY +2.5% QoQ	-$200.8M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	Bottom 13.8% in tier
Return on Assets ?	0.10% +191.1% YoY -38.8% QoQ	-1.23%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	Bottom 4.3% in tier
Net Interest Margin ?	2.14% +13.2% YoY +1.0% QoQ	-1.85%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	Bottom 1.1% in tier
Efficiency Ratio ?	94.91% -11.1% YoY +3.8% QoQ	+30.43%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	Bottom 3.2% in tier
Delinquency Rate ?	0.01% -73.3% YoY -69.0% QoQ	-0.90%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	92.63% -1.2% YoY -2.7% QoQ	+14.68%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	0.00% +89.1% YoY	-22.03%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Bottom 0.6% in tier
Nonperforming Asset Ratio ?	0.01% -73.1% YoY -69.6% QoQ	-0.66%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	Top 13.7% in tier
Tier 1 Capital Ratio ?	15.93% -3.3% YoY -0.5% QoQ	+0.02%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.05% +2.5% YoY +88.4% QoQ	-0.52%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	Bottom 5.0% in tier

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	0.0% 0.0pp YoY	-22.1pp	22.1%	21.7%	22.2%	0%
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	n/a	n/a	11.6%	9.8%	12.5%	n/a
CRE	16.6% +4.5pp YoY +0.6pp QoQ	-22.9pp	39.5%	43.3%	41.4%	13%
1-4 Family	83.9% -4.4pp YoY -0.5pp QoQ	+51.3pp	32.6%	44.4%	31.3%	97%
Consumer	0.7% -0.2pp YoY 0.0pp QoQ	-3.4pp	4.1%	4.5%	5.0%	22%

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	15.9% -0.5pp YoY -0.1pp QoQ	+3.8pp	12.2%	12.3%	12.6%	90%
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	16 -1 (-5.9%) YoY 0 QoQ	-43	58	174	482	5%
Assets per Employee ($)	$12.0M +10.0% YoY +1.5% QoQ	+$4.4M	$7.5M	$7.8M	$8.8M	93%
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	n/a	n/a	0.3%	0.0%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.5%	1.0%	4%
Allowance Coverage	66.24x +277.6% YoY +231.8% QoQ	+42.08x	24.15x	15.59x	20.23x	95%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY	-0.2pp	0.1%	0.1%	0.2%	5%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	0.6% +1.3pp YoY -0.4pp QoQ	-11.6pp	12.2%	11.7%	11.6%	4%
Cost of Funds (YTD)	3.1% -0.1pp YoY 0.0pp QoQ	+1.4pp	1.7%	1.6%	1.7%	98%
Net Income ($, YTD)	$91,000 +192.9% YoY — QoQ	-$2.5M	$2.6M	$9.6M	$40.4M	4%

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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)

Liquidity Strain

risk

#161 of 691 • Bottom 23.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.63%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 (2 metrics)

363

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#363 of 2643 Top 13.7% in $100M-$1B

400

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#400 of 2633 Top 15.2% in $100M-$1B

Top Weaknesses (9 metrics)

2629

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.03%

#2629 of 2643 Bottom 0.6% in $100M-$1B

2614

Net Interest Margin

profitability

Value: 2.14%

Peer Median: 3.99%

#2614 of 2643 Bottom 1.1% in $100M-$1B

2559

Efficiency Ratio

profitability

Value: 94.91%

Peer Median: 64.48%

#2559 of 2643 Bottom 3.2% in $100M-$1B

2531

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.32%

#2531 of 2643 Bottom 4.3% in $100M-$1B

2511

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2511 of 2643 Bottom 5.0% in $100M-$1B

2278

Total Deposits

size

Value: $125.89M

Peer Median: $326.73M

#2278 of 2643 Bottom 13.8% in $100M-$1B

2085

Loan-to-Deposit Ratio

liquidity

Value: 92.63%

Peer Median: 77.95%

#2085 of 2643 Bottom 21.2% in $100M-$1B

2001

Total Loans

size

Value: $116.61M

Peer Median: $258.35M

#2001 of 2643 Bottom 24.3% in $100M-$1B

2000

Total Assets

size

Value: $191.28M

Peer Median: $386.57M

#2000 of 2643 Bottom 24.4% in $100M-$1B