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CBL State Savings Bank

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

Greer, SC

2 branches across SC

2664 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 7 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

  • + Credit Quality Leader: Top 16.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 32.2% in tier
  • - Liquidity Strain: Bottom 38.6% in tier
  • - Return on Assets 1.11% below tier average
  • - Net Interest Margin 1.81% below tier average
  • - Efficiency Ratio 26.18% above tier average
  • - Non-Interest-Bearing Deposit Share 22.02% below tier average
  • - Non-Interest Income / Assets 0.26% below tier average
Get updates when CBL State Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $188.4M
+2.4% YoY +0.2% QoQ
-$197.7M $386.1M
+0.5% YoY
$1.5B
+4.7% YoY
$6.2B
+9.1% YoY
24%
Total Loans ? $116.9M
+6.1% YoY +1.0% QoQ
-$138.9M $255.7M
+1.1% YoY
$993.8M
+7.7% YoY
$3.2B
+10.8% YoY
25%
Total Deposits ? $122.8M
+3.8% YoY +0.2% QoQ
-$205.2M $328.0M
+0.1% YoY
$1.3B
+4.0% YoY
$4.8B
+8.2% YoY
Bottom 12.8% in tier
Return on Assets ? 0.16%
+259.1% YoY +205.5% QoQ
-1.11% 1.27%
+12.9% YoY
1.18%
+45.0% YoY
1.23%
+13.4% YoY
Bottom 5.7% in tier
Net Interest Margin ? 2.12%
+16.2% YoY +9.4% QoQ
-1.81% 3.93%
+6.0% YoY
3.64%
+5.2% YoY
3.89%
+5.7% YoY
Bottom 1.1% in tier
Efficiency Ratio ? 91.47%
-14.8% YoY -16.3% QoQ
+26.18% 65.29%
-4.5% YoY
67.38%
-5.7% YoY
66.95%
-4.1% YoY
Bottom 5.6% in tier
Delinquency Rate ? 0.05%
-19.0% YoY -4.5% QoQ
-0.84% 0.89%
+18.8% YoY
0.54%
+11.8% YoY
0.95%
+18.8% YoY
80%
Loan-to-Deposit Ratio ? 95.19%
+2.3% YoY +0.8% QoQ
+18.55% 76.64%
+0.8% YoY
73.64%
+1.6% YoY
76.70%
+0.9% YoY
15%
Non-Interest-Bearing Deposit Share ? 0.00%
-100.0% YoY -100.0% QoQ
-22.02% 22.02%
-1.0% YoY
20.84%
-0.7% YoY
22.01%
-1.2% YoY
Bottom 0.5% in tier
Nonperforming Asset Ratio ? 0.03%
-16.1% YoY -3.7% QoQ
-0.61% 0.64%
+19.7% YoY
0.34%
+10.8% YoY
0.67%
+19.3% YoY
81%
Tier 1 Capital Ratio ? 16.02%
-1.6% YoY -0.6% QoQ
+0.19% 15.83%
+1.5% YoY
17.50%
+3.0% YoY
17.06%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.02%
+9.5% YoY -72.5% QoQ
-0.26% 0.28%
+9.3% YoY
0.17%
+48.2% YoY
0.32%
+4.1% YoY
Bottom 5.5% in tier

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)

Credit Quality Leader

growth
#113 of 664 • Top 16.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#239 of 739 • Bottom 32.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.02%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 95.19%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#249 of 643 • Bottom 38.6% 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: 95.19%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

496
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.64%
#496 of 2664 Top 18.6% in $100M-$1B
533
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.89%
#533 of 2654 Top 20.0% in $100M-$1B

Top Weaknesses (8 metrics)

2652
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 22.02%
#2652 of 2664 Bottom 0.5% in $100M-$1B
2636
Net Interest Margin
profitability
Value: 2.12%
Peer Median: 3.93%
#2636 of 2664 Bottom 1.1% in $100M-$1B
2519
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.28%
#2519 of 2664 Bottom 5.5% in $100M-$1B
2517
Efficiency Ratio
profitability
Value: 91.47%
Peer Median: 65.29%
#2517 of 2664 Bottom 5.6% in $100M-$1B
2512
Return on Assets
profitability
Value: 0.16%
Peer Median: 1.27%
#2512 of 2664 Bottom 5.7% in $100M-$1B
2325
Total Deposits
size
Value: $122.77M
Peer Median: $327.97M
#2325 of 2664 Bottom 12.8% in $100M-$1B
2260
Loan-to-Deposit Ratio
liquidity
Value: 95.19%
Peer Median: 76.64%
#2260 of 2664 Bottom 15.2% in $100M-$1B
2033
Total Assets
size
Value: $188.37M
Peer Median: $386.08M
#2033 of 2664 Bottom 23.7% in $100M-$1B
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