BlastPoint's Banking Scorecard
Bank of Travelers Rest
Community
Specialty: Commercial
SC
FDIC cert 16389
Travelers Rest, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Bank of Travelers Rest has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22% in Community
- - Credit Risk Growth: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+4.1% YoY
+0.5% QoQ
|
+$163.7M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$890.4M
+6.1% YoY
+0.1% QoQ
|
-$85.1M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$1.4B
+2.4% YoY
+0.4% QoQ
|
+$232.4M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.44%
+8.9% YoY
+2.0% QoQ
|
+0.27% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.20%
+9.2% YoY
+1.5% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
59.89%
-2.0% YoY
-0.5% QoQ
|
-2.74% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.16%
+263.6% YoY
-13.0% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
63.73%
+3.6% YoY
-0.3% QoQ
|
-19.33% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.08%
+1.3% YoY
-0.3% QoQ
|
-5.96% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.09%
+270.6% YoY
-13.3% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
15.16%
+2.6% YoY
+1.8% QoQ
|
+4.91% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.92%
-0.3% YoY
+33.6% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#4 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Quality Pressure
risk
#176 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#176 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.73% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
64
64th pctile
Total Loans
Current: $890.4M · Tier avg: $975.5M
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 21.05%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
Top Weaknesses
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 21.05%
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
64
64th pctile
Total Loans
Current: $890.4M · Tier avg: $975.5M
70
70th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.73% · Tier avg: 83.06%