BlastPoint's Banking Scorecard
The Bank of Clarendon
Micro
Specialty: Commercial
SC
FDIC cert 15671
Designations: ✓ Community bank
Manning, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
The Bank of Clarendon shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$441.9M
+6.9% YoY
+4.1% QoQ
|
+$224.4M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$212.3M
+9.2% YoY
+4.3% QoQ
|
+$73.2M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$392.6M
+6.9% YoY
+5.4% QoQ
|
+$209.0M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.30%
+18.9% YoY
-3.2% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.70%
+7.2% YoY
+0.8% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
58.81%
-9.3% YoY
+3.4% QoQ
|
-8.91% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
54.08%
+2.1% YoY
-1.1% QoQ
|
-20.44% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
27.34%
+4.5% YoY
-7.7% QoQ
|
+4.95% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.66%
+10.7% YoY
+45.5% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Total Deposits
Current: $392.6M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $441.9M · Tier avg: $217.5M
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
77
77th pctile
Total Loans
Current: $212.3M · Tier avg: $139.2M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.34% · Tier avg: 22.39%
70
70th pctile
Efficiency Ratio
Current: 58.81% · Tier avg: 67.73%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.08% · Tier avg: 74.53%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.08% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
70
70th pctile
Efficiency Ratio
Current: 58.81% · Tier avg: 67.73%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.34% · Tier avg: 22.39%
77
77th pctile
Total Loans
Current: $212.3M · Tier avg: $139.2M
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
94
94th pctile
Total Assets
Current: $441.9M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $392.6M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%