BlastPoint's Banking Scorecard
Countybank
Greenwood, SC
13 branches across SC
Countybank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 10.5% in tier
- + ROA 0.23% above tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.14% below tier average
- - Efficiency Ratio 9.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$748.4M
+2.7% YoY
+2.6% QoQ
|
+$362.3M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
Top 10.4% in tier |
| Total Loans ? |
$395.0M
-2.7% YoY
-0.1% QoQ
|
+$139.3M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$639.3M
-0.1% YoY
+0.2% QoQ
|
+$311.3M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
Top 10.3% in tier |
| Return on Assets ? |
1.50%
+42.4% YoY
+23.1% QoQ
|
+0.23% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.80%
+7.3% YoY
+2.8% QoQ
|
-0.14% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
75.11%
-5.4% YoY
-2.3% QoQ
|
+9.83% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.26%
-68.4% YoY
-62.6% QoQ
|
-0.63% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
61.79%
-2.6% YoY
-0.3% QoQ
|
-14.85% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
27.28%
+2.1% YoY
+1.1% QoQ
|
+5.26% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.23%
-48.5% YoY
-37.3% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
15.20%
+4.2% YoY
-1.5% QoQ
|
-0.63% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.69%
+28.1% YoY
-70.7% QoQ
|
+0.41% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
Top 2.5% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.