BlastPoint's Banking Scorecard
The Commercial Bank
Micro
Specialty: Other
SC
FDIC cert 14642
Designations: ✓ Community bank
Honea Path, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
The Commercial Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.26% below tier
- + Tier 1 Capital Ratio 19.96% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.5M
+3.8% YoY
+1.3% QoQ
|
+$46.1M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$100.5M
+12.8% YoY
+4.9% QoQ
|
-$38.7M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$232.3M
-0.6% YoY
-2.2% QoQ
|
+$48.7M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.80%
-0.8% YoY
+4.5% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.04%
+4.9% YoY
+0.7% QoQ
|
-0.81% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
75.25%
+2.7% YoY
-0.5% QoQ
|
+7.52% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.95%
+164.8% YoY
+27.6% QoQ
|
+0.31% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
43.26%
+13.5% YoY
+7.2% QoQ
|
-31.26% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.51%
+1.0% YoY
-5.8% QoQ
|
+6.12% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.36%
+187.8% YoY
+32.1% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
28.82%
-1.3% YoY
-2.4% QoQ
|
+19.96% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.54%
+12.0% YoY
+30.8% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.26%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
28.82%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Tier 1 Capital Ratio
Current: 28.82% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.26% · Tier avg: 74.53%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
67
67th pctile
Total Deposits
Current: $232.3M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $263.5M · Tier avg: $217.5M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
43
43th pctile
Total Loans
Current: $100.5M · Tier avg: $139.2M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
30
30th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.64%
28
28th pctile
Efficiency Ratio
Current: 75.25% · Tier avg: 67.73%
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 75.25% · Tier avg: 67.73%
30
30th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.64%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
43
43th pctile
Total Loans
Current: $100.5M · Tier avg: $139.2M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
65
65th pctile
Total Assets
Current: $263.5M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $232.3M · Tier avg: $183.7M
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.26% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 28.82% · Tier avg: 8.85%