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

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 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
Deposits +3.7% year over year ($1.7B on the books).
Delinquency rate 0.01%.
Return on assets 1.07%.
Efficiency ratio 59.17% vs a 59.73% peer average.
Loan-to-deposit ratio 91.08% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (SC) →

South Atlantic Bank has 3 strengths but faces 5 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 0.86% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.4% in tier
- Liquidity Strain: Bottom 28.2% in tier
- Credit Risk Growth: Bottom 29.6% in tier
- ROA 0.32% below tier average
- Net Interest Margin 0.57% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$2.0B +6.0% YoY +2.6% QoQ	-$813.9M	$2.8B -0.6% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$1.5B +7.5% YoY +4.3% QoQ	-$434.5M	$2.0B -0.3% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$1.7B +3.7% YoY +5.1% QoQ	-$640.4M	$2.3B -0.5% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	1.07% +23.1% YoY +2.0% QoQ	-0.32%	1.39% +17.0% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	3.30% +6.0% YoY +2.1% QoQ	-0.57%	3.87% +6.2% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	59.17% -7.3% YoY -1.4% QoQ	-0.55%	59.73% -12.6% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	0.01%	-0.86%	0.87% +11.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	Top 3.9% in tier
Loan-to-Deposit Ratio ?	91.08% +3.7% YoY -0.7% QoQ	+6.05%	85.04% -0.1% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	21.65% -4.1% YoY +5.4% QoQ	+0.38%	21.27% -1.5% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.01%	-0.67%	0.67% +11.7% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	Top 3.8% in tier
Tier 1 Capital Ratio ?	11.27% +3.8% YoY -0.9% QoQ	-3.57%	14.84% -0.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.17% +2.9% YoY +98.5% QoQ	-0.36%	0.53% +2.5% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	24%

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	21.6% -0.9pp YoY +1.1pp QoQ	+0.3pp	21.4%	21.7%	22.2%	59%
Brokered Deposits	3.0% -1.4pp YoY -0.7pp QoQ	-6.4pp	9.5%	10.6%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	5.3% -0.3pp YoY -0.1pp QoQ	-8.7pp	14.0%	9.8%	12.5%	20%
CRE	59.4% +1.8pp YoY +1.3pp QoQ	+9.4pp	50.0%	43.3%	41.4%	74%
1-4 Family	35.9% -1.3pp YoY -1.2pp QoQ	+9.4pp	26.4%	44.4%	31.3%	76%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	4.5%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	11.3% +0.4pp YoY -0.1pp QoQ	-4.3pp	15.6%	18.1%	19.7%	13%
Leverage Ratio	9.4% +0.7pp YoY +0.1pp QoQ	-1.9pp	11.3%	12.3%	12.6%	21%
Total Capital Ratio	12.2% +0.5pp YoY -0.1pp QoQ	-4.5pp	16.7%	19.1%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	175 +3 (+1.7%) YoY +7 (+4.2%) QoQ	-139	313	174	482	32%
Assets per Employee ($)	$11.3M +4.2% YoY -1.5% QoQ	+$829K	$10.5M	$7.8M	$8.8M	74%
Branch Count	12 0 YoY 0 QoQ	-8	20	12	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	0.0%	-0.8pp	0.8%	0.5%	1.0%	1%
Allowance Coverage	111.53x	+92.82x	18.71x	15.59x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	12.5% +1.3pp YoY +0.2pp QoQ	-0.1pp	12.6%	11.7%	11.6%	52%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.6%	1.7%	61%
Net Income ($, YTD)	$10.4M +30.0% YoY — QoQ	-$8.9M	$19.2M	$9.6M	$40.4M	41%

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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 (3)

Credit Quality Pressure

risk

#3 of 492 • Bottom 0.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#103 of 361 • Bottom 28.2% 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: 91.08%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#120 of 402 • Bottom 29.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#35 of 885 Top 3.8% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.87%

#35 of 882 Top 3.9% in $1B-$10B

Top Weaknesses (2 metrics)

693

Tier 1 Capital Ratio

capital

Value: 11.27%

Peer Median: 14.84%

#693 of 885 Bottom 21.8% in $1B-$10B

673

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#673 of 885 Bottom 24.1% in $1B-$10B