BlastPoint's Banking Scorecard
The Bank of South Carolina
Community
Specialty: Commercial
SC
FDIC cert 26912
Charleston, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
The Bank of South Carolina has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 65% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21% in Community
- - Capital Thin: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$576.2M
+3.5% YoY
+0.1% QoQ
|
-$815.2M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$358.4M
-1.9% YoY
+3.0% QoQ
|
-$617.0M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$501.7M
+2.2% YoY
-0.1% QoQ
|
-$662.9M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.42%
+24.5% YoY
+0.3% QoQ
|
+0.26% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.43%
+16.9% YoY
+0.4% QoQ
|
+0.77% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
57.94%
-5.3% YoY
+0.8% QoQ
|
-4.69% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.22%
+74.6% YoY
-30.5% QoQ
|
-0.41% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
71.44%
-4.0% YoY
+3.1% QoQ
|
-11.62% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
32.82%
+0.3% YoY
-4.7% QoQ
|
+11.77% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+65.5% YoY
-28.5% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
-5.4% YoY
+35.7% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#98 of 150 · Top 65% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.82%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.43%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Quality Pressure
risk
#174 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.22%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#161 of 432 · Bottom 37% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.82% · Tier avg: 21.05%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.44% · Tier avg: 83.06%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
64
64th pctile
Efficiency Ratio
Current: 57.94% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
13
13th pctile
Total Deposits
Current: $501.7M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $576.2M · Tier avg: $1.4B
9
9th pctile
Total Loans
Current: $358.4M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $358.4M · Tier avg: $975.5M
11
11th pctile
Total Assets
Current: $576.2M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $501.7M · Tier avg: $1.2B
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Efficiency Ratio
Current: 57.94% · Tier avg: 62.63%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.44% · Tier avg: 83.06%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.82% · Tier avg: 21.05%