BlastPoint's Banking Scorecard
Arthur State Bank
Community
Specialty: Commercial
SC
FDIC cert 15085
Union, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Arthur State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$814.4M
+5.2% YoY
-1.4% QoQ
|
-$577.0M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$591.7M
+8.9% YoY
-0.3% QoQ
|
-$383.8M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$666.7M
-2.4% YoY
-2.7% QoQ
|
-$497.9M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.17%
+29.9% YoY
+1.0% QoQ
|
0 |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.43%
+10.5% YoY
+1.1% QoQ
|
+0.76% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
68.01%
-5.9% YoY
+0.4% QoQ
|
+5.38% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.58%
-10.2% YoY
+4.1% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
88.75%
+11.5% YoY
+2.4% QoQ
|
+5.68% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
27.99%
-8.7% YoY
-4.4% QoQ
|
+6.95% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.44%
-4.2% YoY
+8.5% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.11%
+4.8% YoY
+0.1% QoQ
|
+1.87% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.91%
-1.4% YoY
+36.9% QoQ
|
+0.17% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#26 of 248 · Bottom 10% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
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
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 27.99% · Tier avg: 21.05%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.75% · Tier avg: 83.06%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
40
40th pctile
Total Loans
Current: $591.7M · Tier avg: $975.5M
36
36th pctile
Total Assets
Current: $814.4M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $666.7M · Tier avg: $1.2B
32
32th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 62.63%
Top Weaknesses
32
32th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 62.63%
35
35th pctile
Total Deposits
Current: $666.7M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $814.4M · Tier avg: $1.4B
40
40th pctile
Total Loans
Current: $591.7M · Tier avg: $975.5M
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.75% · Tier avg: 83.06%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 27.99% · Tier avg: 21.05%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%