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Countybank

$100M-$1B Specialty: Commercial SC FDIC cert 9155

Greenwood, SC

13 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 -0.8% year over year ($623.1M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.45%.
  • Efficiency ratio 75.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.43% 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) →

Countybank has 3 strengths but faces 2 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

  • + Revenue Diversifier: Top 9.7% in tier
  • + ROA 0.13% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.13% below tier average
  • - Efficiency Ratio 11.42% above tier average
Get updates when Countybank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $733.0M
+1.2% YoY -2.1% QoQ
+$346.4M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Top 11.1% in tier
Total Loans ? $407.7M
-1.1% YoY +3.2% QoQ
+$149.3M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $623.1M
-0.8% YoY -2.5% QoQ
+$296.4M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
Top 10.7% in tier
Return on Assets ? 1.45%
+27.0% YoY -3.2% QoQ
+0.13% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.85%
+7.4% YoY +1.6% QoQ
-0.13% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 75.90%
-3.1% YoY +1.1% QoQ
+11.42% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.44%
-45.7% YoY +71.0% QoQ
-0.48% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 65.43%
-0.3% YoY +5.9% QoQ
-12.52% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 27.12%
+6.5% YoY -0.6% QoQ
+5.09% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.34%
-25.2% YoY +47.5% QoQ
-0.32% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 14.78%
+3.0% YoY -2.8% QoQ
-1.13% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 1.38%
+23.1% YoY +99.9% QoQ
+0.81% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
Top 2.4% 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 27.1%
+1.7pp YoY
-0.2pp QoQ
 +5.0pp 22.1% 21.7% 22.2% 73%
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 6.2%
+0.7pp YoY
-0.5pp QoQ
 -5.4pp 11.6% 9.8% 12.5% 27%
CRE 44.7%
+2.5pp YoY
+1.3pp QoQ
 +5.1pp 39.5% 43.3% 41.4% 62%
1-4 Family 46.8%
-3.1pp YoY
-0.7pp QoQ
 +14.2pp 32.6% 44.4% 31.3% 79%
Consumer 2.8%
+0.1pp YoY
0.0pp QoQ
 -1.3pp 4.1% 4.5% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 14.8%
+0.4pp YoY
-0.4pp QoQ
 -4.0pp 18.8% 18.1% 19.7% 47%
Leverage Ratio 8.7%
+0.2pp YoY
+0.1pp QoQ
 -3.4pp 12.2% 12.3% 12.6% 8%
Total Capital Ratio 15.6%
+0.4pp YoY
-0.4pp QoQ
 -4.3pp 19.9% 19.1% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 169
+5 (+3.0%) YoY
0 QoQ
 +110 58 174 482 99%
Assets per Employee ($) $4.3M
-1.8% YoY
-2.1% QoQ
 -$3.2M $7.5M $7.8M $8.8M 7%
Branch Count 13
0 YoY
0 QoQ
 +8 4 12 18 96%

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 0.4%
-0.4pp YoY
+0.2pp QoQ
 -0.5pp 0.9% 0.5% 1.0% 49%
Allowance Coverage 1.91x
+81.3% YoY
-43.0% QoQ
 -22.25x 24.15x 15.59x 20.23x 46%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 23.1%
+0.5pp YoY
-0.7pp QoQ
 +10.9pp 12.2% 11.7% 11.6% 94%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 8%
Net Income ($, YTD) $5.4M
+29.6% YoY
— QoQ
 +$2.8M $2.6M $9.6M $40.4M 89%

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)

Revenue Diversifier

growth
#65 of 661 • Top 9.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.38%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.45%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

65
Non-Interest Income / Assets
revenue_mix
Value: 1.38%
Peer Median: 0.57%
#65 of 2643 Top 2.4% in $100M-$1B
284
Total Deposits
size
Value: $623.09M
Peer Median: $326.73M
#284 of 2643 Top 10.7% in $100M-$1B
295
Total Assets
size
Value: $732.96M
Peer Median: $386.57M
#295 of 2643 Top 11.1% in $100M-$1B
529
Total Loans
size
Value: $407.68M
Peer Median: $258.35M
#529 of 2643 Top 20.0% in $100M-$1B
634
Loan-to-Deposit Ratio
liquidity
Value: 65.43%
Peer Median: 77.95%
#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2145
Efficiency Ratio
profitability
Value: 75.90%
Peer Median: 64.48%
#2145 of 2643 Bottom 18.9% in $100M-$1B
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