BlastPoint's Banking Scorecard
Anderson Brothers Bank
Designations: ✓ Community bank
Mullins, SC
27 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 +7.4% year over year ($2.1B on the books).
- Delinquency rate 0.60%.
- Return on assets 1.52%.
- Efficiency ratio 59.18% vs a 59.73% peer average.
- Loan-to-deposit ratio 86.76% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Anderson Brothers Bank shows strong momentum with 4 strengths and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.25% above tier average
- + ROA 0.13% above tier average
- + Efficiency Ratio 0.55% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+9.3% YoY
+4.6% QoQ
|
-$413.0M |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$1.9B
+13.9% YoY
+4.6% QoQ
|
-$112.4M |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$2.1B
+7.4% YoY
+3.7% QoQ
|
-$185.6M |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.52%
+20.2% YoY
+2.5% QoQ
|
+0.13% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
6.12%
-2.3% YoY
+0.4% QoQ
|
+2.25% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Top 2.1% in tier |
| Efficiency Ratio ? |
59.18%
-0.6% YoY
-0.8% QoQ
|
-0.55% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.60%
+6.6% YoY
-2.2% QoQ
|
-0.27% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
86.76%
+6.0% YoY
+0.9% QoQ
|
+1.73% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
23.09%
-6.4% YoY
+2.5% QoQ
|
+1.82% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.53%
+21.3% YoY
-3.0% QoQ
|
-0.15% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
11.24%
+0.3% YoY
-2.0% QoQ
|
-3.60% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.38%
+5.8% YoY
+100.0% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
23.1%
-1.6pp YoY +0.6pp QoQ |
+1.7pp | 21.4% | 21.7% | 22.2% | 64% |
| Brokered Deposits |
16.1%
+0.4pp YoY 0.0pp QoQ |
+6.6pp | 9.5% | 10.6% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
-0.7pp YoY -0.4pp QoQ |
-7.7pp | 14.0% | 9.8% | 12.5% | 25% |
| CRE |
48.9%
+2.7pp YoY +1.6pp QoQ |
-1.1pp | 50.0% | 43.3% | 41.4% | 46% |
| 1-4 Family |
19.5%
+0.6pp YoY -0.4pp QoQ |
-6.9pp | 26.4% | 44.4% | 31.3% | 41% |
| Consumer |
26.5%
-3.0pp YoY -0.9pp QoQ |
+21.7pp | 4.7% | 4.5% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
0.0pp YoY -0.2pp QoQ |
-4.4pp | 15.6% | 18.1% | 19.7% | 13% |
| Leverage Ratio |
9.3%
+0.3pp YoY -0.1pp QoQ |
-2.0pp | 11.3% | 12.3% | 12.6% | 18% |
| Total Capital Ratio |
12.5%
0.0pp YoY -0.2pp QoQ |
-4.2pp | 16.7% | 19.1% | 20.8% | 15% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
443
+18 (+4.2%) YoY +9 (+2.1%) QoQ |
+129 | 313 | 174 | 482 | 81% |
| Assets per Employee ($) |
$5.4M
+4.9% YoY +2.5% QoQ |
-$5.1M | $10.5M | $7.8M | $8.8M | 6% |
| Branch Count |
27
+2 (+8.0%) YoY +1 (+3.8%) QoQ |
+7 | 20 | 12 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.8% | 0.5% | 1.0% | 56% |
| Allowance Coverage |
2.71x
-17.1% YoY -1.5% QoQ |
-16.00x | 18.71x | 15.59x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.9%
-0.5pp YoY 0.0pp QoQ |
+0.7pp | 0.3% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.2%
+2.2pp YoY +0.6pp QoQ |
+4.7pp | 12.6% | 11.7% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$17.4M
+32.8% YoY — QoQ |
-$1.9M | $19.2M | $9.6M | $40.4M | 65% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.