BlastPoint's Banking Scorecard
South Atlantic Bank
Community
Specialty: Commercial
SC
FDIC cert 58689
Myrtle Beach, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
South Atlantic Bank shows strong momentum with 2 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 ? |
$1.9B
+7.4% YoY
+1.5% QoQ
|
+$525.1M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.5B
+10.0% YoY
+3.2% QoQ
|
+$481.8M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.6B
+6.2% YoY
-2.2% QoQ
|
+$392.5M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.93%
+35.7% YoY
+0.2% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.25%
+14.6% YoY
+1.4% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
61.41%
-10.3% YoY
-2.3% QoQ
|
-1.22% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
93.59%
+3.5% YoY
+5.5% QoQ
|
+10.53% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
21.04%
-3.7% YoY
-4.4% QoQ
|
-0.01% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.21%
+3.1% YoY
-0.8% QoQ
|
+0.97% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.34%
+8.7% YoY
+31.7% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.04% · Tier avg: 21.05%
53
53th pctile
Efficiency Ratio
Current: 61.41% · Tier avg: 62.63%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 10.24%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 83.06%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 83.06%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 10.24%
53
53th pctile
Efficiency Ratio
Current: 61.41% · Tier avg: 62.63%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.04% · Tier avg: 21.05%
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%