# ARTHUR STATE BANK
UNION, SC · FDIC certificate 15085 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $831.9M | |
| Deposits | $686.1M | |
| Loans and leases | $619.1M | |
| Total equity | $56.6M | |
| Loans / deposits | 89.29% (p69 of band) | 82.04% |
| Liquid assets / assets | 21.40% (p36 of band) | |
| Uninsured deposits / deposits | 19.05% (p25 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.29% (p78 of band) | |
| FHLB advances / assets | 9.65% | |
| Tier 1 leverage | 8.30% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -4.30% (p66 of band) | -8.10% |
| AOCI / equity | 1.66% (p97 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.52% (p83 of band) | 3.91% |
| Efficiency ratio | 70.07% (p73 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 173.19% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 115.75% (p91 of band) | |
| Auto loans | $1.8M (0.29% of loans; DQ 2.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 150 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | losing money, expense ratio p90 |  |
| 2011-09 | 9 | leverage <5%, capital falling, charge-offs p90 |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking | losing money, expense ratio p90, capital falling, charge-offs p90 |
| 2012-06 | 7 | expense ratio p90 | reserve under noncurrent |
| 2012-09 | 8 | reserve under noncurrent |  |
| 2012-12 | 7 |  | deposits shrinking |
| 2013-03 | 8 | losing money |  |
| 2013-06 | 6 | deposits shrinking | leverage <5%, losing money |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | deposits shrinking |
| 2014-03 | 4 | charge-offs p90 | assets shrinking, expense ratio p90 |
| 2014-06 | 3 | expense ratio p90 | construction >100% equity, charge-offs p90 |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 1 |  | reserve under noncurrent, expense ratio p90, charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | expense ratio p90 | leverage <7% |
| 2015-12 | 2 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 | construction >100% equity | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 1 | construction >100% equity |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-29 [Arthur State Bank Promotes Five Leaders, Hires Two in a Time of Transition - SCBiz](https://news.google.com/rss/articles/CBMilwFBVV95cUxQd25TN25EcW9WQUp6OF9id2pPS2Y3dWFRcm1oSmhOQmJLbzZVYjVSMnlSSE9YMEVNVjJxV1RzT3FQLXpIRXRGd2QtNDAwUE1TdVdfdkdFWFBLV2xPN09iTXZ3U2tVZjFHaWlQc3l5c1hyamVWanFmRnd1THFzU0VZd3hvWmRpbjlGLW1IaVVOb0hFdWFvOHBr?oc=5) · SCBiz
- 2022-07-19 [Arthur State Bank robbed in Woodruff - WSPA 7News](https://news.google.com/rss/articles/CBMif0FVX3lxTFBvWHA5WkIwMUcwSWVRSmJtY2ZXR2x5Q2Y2M0F4a3pkdXN3ekd6RnB2XzNzUkcxWFhEc29nc1YyZDJsaUhobXZBU3l5dXVndVh2Q2RmdlFNQTl0ZlhxX0E1d29DejIteFlDdDNLR2tWamNLSzB3SVJ2Z1FSd3FXSjTSAYQBQVVfeXFMTTlqRXZlZzUzUl95TnlzdlM4ZHZib29aRUx2Y1NTZW9QQURzSGc1a2tFdFBqdDVMR3hmQnprbVlZaS1HLTN0bWdnZXptN2hqOUpaX0gyT2hFYkY4MjR4dVBETkFxaWNuY3N4cWZ3UnhFZ05CZ0s2Vl81X29JV1hqV2ZPZnJC?oc=5) · WSPA 7News
- 2015-09-01 [2 dead after SUV crashes into bank in fiery wreck - WYFF](https://news.google.com/rss/articles/CBMikAFBVV95cUxPQ05GdHNZR3JYWWFPUTVpV21TRHE1VDhNdEt2Z1VodjhaZ3pLY0N2cE5GNnFxdEhkVnhpWVNobVgtX0M5cTB1bEl1OHZ0QmR6UnlQZHh5cm1aV05IWVZVRjdudm5wOXl0ZUVTZHg0OEZ4UVBTTko2dF83alVjQ1NmTEhONzVzVzI3QUZuTzREa2s?oc=5) · WYFF
- 2018-07-02 [Oxner joins S.C. Natural Resources Board - South Carolina Department of Natural Resources (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTE5qVlNHTzhoLVZGZFlINkFXSkJlQWJYUDNDV3lSX1pTUXBEdWd1MDZ0VU9uMlZMV3dhcjNmRlVxbVEzN3NmUTN2U29VNFJRN1FESHp6S0lya3JHWkZvZUc1eGd6NXpPak5xUVZ5MWYxWGY?oc=5) · South Carolina Department of Natural Resources (.gov)
- 2024-03-13 [On the Move: JB Garrett - upstate business journal](https://news.google.com/rss/articles/CBMiakFVX3lxTE5LT044dUpyazdxV3V5VDlkQWtLR1lGNV9xcVpySGxRODhpdkVabDc0YjNkVkNKc2ZQNTk5SGJBUkN3MnpZQW42U1o5LXpSSGpkZUd1eFQ4a0QxVjBZekdtYUhQSDZPd1BrOXc?oc=5) · upstate business journal
- 2018-04-15 [James Carlisle Oxner Obituary April 15, 2018 - charlestonfunerals.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1CZ2Z6RTIxaGVYWkV3UWFyd3NmLTA5LVJNRWpWdGZDT080OGVrXzNWY0lqZl8wN2dQWTV3Y2JEaG9jbE9VcllDR2FzU2hhTUl2MlZNRW9VandmaUhzbWlpMGp5bF9TSFpq?oc=5) · charlestonfunerals.com
- 2025-06-02 [Janet (Bentley) Crocker Obituary Jun 2, 2025 - holcombefuneralhomes.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE04RFlWUmJjZXdqNmZRSGNyOFVCZTdvWGJ2bVhvb0tzVjJ5NjU5NFh0V1FYQUNCdTEwWEJ4ZlhKSnFDZE5xMTZKdkVodW52T2Vpejlwd0hjdHVVSXpJTVZzRVZfZ1VPN2lYSktvbmZn?oc=5) · holcombefuneralhomes.com
- 2015-09-01 [New details provided in wreck that killed two boys - Greenville Online](https://news.google.com/rss/articles/CBMiswFBVV95cUxOeXdtWmNpSm9UallqVUItMFl2Z2pZTHBwV3FNZVlDUjFWelg4dnA0aHBiNk5sVzRvZ3c4NE9NdVlLNkxoVHNCc1BaalFzb19KZ3JNcG1iZFpMYk1CTDJ5MENaWm80MG5GT1lPUzJudlhiVEdLTTQ0YkxNM3RQLWxBdlFFZ0ZrZFE2M2FkbnMtbGJhNnRaZGpvUjJpczZIQnJGX2FFeFZfNDZXUXpoZ1NLOG9CMA?oc=5) · Greenville Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15085 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "15085", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide