BlastPoint's Banking Scorecard
CBL State Savings Bank
Micro
Specialty: Mortgage
SC
FDIC cert 31900
Designations: ✓ Community bank
Greer, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
CBL State Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.23% below tier
- - Net Interest Margin 1.91% below tier
- - Efficiency Ratio 41.62% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.0M
-0.2% YoY
+0.4% QoQ
|
-$29.5M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$115.7M
+5.4% YoY
+1.9% QoQ
|
-$23.5M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$122.5M
+3.9% YoY
+1.0% QoQ
|
-$61.2M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
-0.15%
-15.4% YoY
-62.6% QoQ
|
-1.23% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.94%
+14.5% YoY
+1.4% QoQ
|
-1.91% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
109.34%
+0.4% YoY
+3.9% QoQ
|
+41.62% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.05%
-84.0% YoY
-5.2% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
94.44%
+1.5% YoY
+0.9% QoQ
|
+19.91% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
0.00%
-35.8% YoY
-1.0% QoQ
|
-22.39% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-83.2% YoY
-3.8% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| 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 ? |
0.09%
-44.6% YoY
+33.1% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.94%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
109.34%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
Loan-to-Deposit Ratio
Current: 94.44% · Tier avg: 74.53%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.7M · Tier avg: $139.2M
48
48th pctile
Total Assets
Current: $188.0M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $122.5M · Tier avg: $183.7M
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 109.34% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.85%
3
3th pctile
Efficiency Ratio
Current: 109.34% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
36
36th pctile
Total Deposits
Current: $122.5M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.0M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $115.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.44% · Tier avg: 74.53%