BlastPoint's Banking Scorecard

South Atlantic Bank

$1B-$10B Specialty: Commercial SC FDIC cert 58689

Designations: ✓ Community bank

Myrtle Beach, SC

12 branches across SC

884 banks in the $1B-$10B peer group nationally 13 in SC

South Atlantic Bank has 3 strengths but faces 4 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 1.07% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.7% in tier
- Capital Thin: Bottom 40.7% in tier
- ROA 0.32% below tier average
- Net Interest Margin 0.58% below tier average

Get updates when South Atlantic 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 ?	$1.9B +3.4% YoY +0.7% QoQ	-$886.5M	$2.8B -0.1% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$1.5B +7.2% YoY +0.5% QoQ	-$499.7M	$2.0B +0.6% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$1.6B +1.5% YoY +2.5% QoQ	-$746.8M	$2.3B -0.3% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.05% +25.3% YoY +12.9% QoQ	-0.32%	1.37% +19.6% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.23% +5.0% YoY -0.5% QoQ	-0.58%	3.82% +6.9% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	59.99% -7.4% YoY -2.3% QoQ	-1.07%	61.06% -4.6% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.77% +5.6% YoY -1.9% QoQ	+7.56%	84.20% +0.3% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	20.53% -2.6% YoY -2.4% QoQ	-0.76%	21.29% -2.5% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.37% +5.0% YoY +1.5% QoQ	-3.79%	15.16% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.09% +16.7% YoY -74.6% QoQ	-0.17%	0.26% +1.6% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	25%

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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 (2)

Liquidity Strain

risk

#97 of 334 • Bottom 28.7% 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: 91.77%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#91 of 221 • Bottom 40.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.37%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 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 884 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Top Weaknesses (2 metrics)

696

Tier 1 Capital Ratio

capital

Value: 11.37%

Peer Median: 15.16%

#696 of 884 Bottom 21.4% in $1B-$10B

665

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.26%

#665 of 884 Bottom 24.9% in $1B-$10B