BlastPoint's Banking Scorecard
Countybank
Community
Specialty: Commercial
SC
FDIC cert 9155
Greenwood, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Countybank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16% in Community
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 ? |
$729.6M
+2.4% YoY
-0.9% QoQ
|
-$661.9M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$395.3M
-2.8% YoY
-1.0% QoQ
|
-$580.2M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$637.8M
+3.6% YoY
-0.2% QoQ
|
-$526.8M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.22%
+31.1% YoY
+0.5% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.69%
+9.9% YoY
+1.7% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
76.90%
-5.2% YoY
-0.8% QoQ
|
+14.26% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.69%
-8.3% YoY
-14.4% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
61.98%
-6.2% YoY
-0.9% QoQ
|
-21.08% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+3.6% YoY
+3.3% QoQ
|
+5.94% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.37%
-13.0% YoY
-14.5% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
15.44%
+6.5% YoY
+3.5% QoQ
|
+5.19% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
2.35%
+8.6% YoY
+37.8% QoQ
|
+1.61% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#59 of 371 · Top 16% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.35%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.22%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Non-Interest Income / Assets
Current: 2.35% · Tier avg: 0.74%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.44% · Tier avg: 10.24%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 26.99% · Tier avg: 21.05%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
32
32th pctile
Total Deposits
Current: $637.8M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $729.6M · Tier avg: $1.4B
14
14th pctile
Efficiency Ratio
Current: 76.90% · Tier avg: 62.63%
14
14th pctile
Total Loans
Current: $395.3M · Tier avg: $975.5M
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.98% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 61.98% · Tier avg: 83.06%
14
14th pctile
Total Loans
Current: $395.3M · Tier avg: $975.5M
14
14th pctile
Efficiency Ratio
Current: 76.90% · Tier avg: 62.63%
30
30th pctile
Total Assets
Current: $729.6M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $637.8M · Tier avg: $1.2B
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 26.99% · Tier avg: 21.05%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.44% · Tier avg: 10.24%
96
96th pctile
Non-Interest Income / Assets
Current: 2.35% · Tier avg: 0.74%