BlastPoint's Banking Scorecard
The Conway National Bank
Community
Specialty: Commercial
SC
FDIC cert 2102
Conway, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
The Conway National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+7.5% YoY
+2.0% QoQ
|
+$556.9M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$826.3M
+5.4% YoY
+0.3% QoQ
|
-$149.2M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$1.6B
+5.1% YoY
+0.1% QoQ
|
+$456.8M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.23%
+21.1% YoY
+2.8% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.16%
+15.7% YoY
+1.0% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
51.76%
-9.2% YoY
+0.5% QoQ
|
-10.87% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.05%
-50.2% YoY
+10.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
50.96%
+0.3% YoY
+0.2% QoQ
|
-32.10% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.42%
-3.0% YoY
-4.4% QoQ
|
+6.38% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.02%
-51.1% YoY
+9.0% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
18.47%
+2.5% YoY
-2.8% QoQ
|
+8.22% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.48%
-5.2% YoY
+31.4% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
50.96%
(Tier avg: 83.06%, National avg: 78.04%)
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
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 10.24%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
81
81th pctile
Efficiency Ratio
Current: 51.76% · Tier avg: 62.63%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.42% · Tier avg: 21.05%
59
59th pctile
Total Loans
Current: $826.3M · Tier avg: $975.5M
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.96% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.96% · Tier avg: 83.06%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
59
59th pctile
Total Loans
Current: $826.3M · Tier avg: $975.5M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.42% · Tier avg: 21.05%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
81
81th pctile
Efficiency Ratio
Current: 51.76% · Tier avg: 62.63%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 10.24%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%