# BANK OF CLARENDON
MANNING, SC · FDIC certificate 15671 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $438.3M | |
| Deposits | $387.0M | |
| Loans and leases | $223.9M | |
| Total equity | $47.8M | |
| Loans / deposits | 57.27% (p11 of band) | 82.04% |
| Liquid assets / assets | 44.96% (p88 of band) | |
| Uninsured deposits / deposits | 31.00% (p70 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.66% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -19.69% (p23 of band) | -8.10% |
| AOCI / equity | -1.86% (p9 of band) | |
| ROA (annualized) | 1.54% (p66 of band) | 1.28% |
| Net interest margin | 3.85% (p46 of band) | 3.91% |
| Efficiency ratio | 52.99% (p25 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 15000.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 22.40% (p27 of band) | |
| Auto loans | $3.8M (1.71% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-08-24 [Bank of Clarendon’s Newton elected first female chair of USC board - Manning Live](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOFlWb2g0NUp0T2l2NG02NHgwOW9aQkJJdmVkbjZUanRNQnpNUzVDcDhqTmxJdDFYdlNuNEhYZE83b0JYdF9hVkhINC1wSnl2Wk5WTGREN3dVSFhxMU9fX080Y05GbmdFcElRc3NsSEJfUnJsSEJPVG9oMjkwd3ZtTjV6dWlxSnI5UExtTjFLTzRVUFFfT3poSURNUGk4YU5UQTNFRUJYRQ?oc=5) · Manning Live
- 2026-01-28 [The Grind, presented by Bank of Clarendon: Scott's Branch junior Jackson's versatility and leadership lift football, basketball programs - The Sumter Item](https://news.google.com/rss/articles/CBMivAFBVV95cUxQcXpLR2txREptZ2NnSnFLd3lfTjI1Und1ZWYwYmdzYWh6V3dRMTFOQWJWSFhzd2lEMW4wazR3X1BvWVlUYTlJNXRQTGIxbEdyWmFZaVBRbWdLRnl5Ung4UWY5MnlQYkpZVGtGRlQzUHpWSnA5Q1NTUG4taUlObUNqVHhZNmtjMjQyYURjU095aWZwTks4eDlER0h6bU8tMno1N0Fkd2ZQMGM0SW40ZHhlZjZpdXM1YjNoQ2R0bA?oc=5) · The Sumter Item
- 2026-04-29 [The Grind, presented by Bank of Clarendon: Sumter High's Stanley wraps up stellar Gamecock career with another playoff berth - The Sumter Item](https://news.google.com/rss/articles/CBMixwFBVV95cUxQTjdoZW5uYnhTbFV6ZWNyOUhUZndWbFczVUticGhob05fb3NsblMzRVlDNFpVa2ttck1pVTZvMFotUHFpNmNZc1RvVUcwaGFySEo2cC1GTXBEeS1iQ0x6SlAwSHhLTURUR015QVZrTXZwVG9zaU5vclhDUk9BZG84ellfRjU5bUlpc0tYOWh4aEpaVEN5NUJ3YXJweW0xUGRNYlNaR3Fid3RKYzFsTkRfaXhPYWRjTFFidUpzS0VqbS04bFF3c0o4?oc=5) · The Sumter Item
- 2026-01-14 [The Grind, presented by Bank of Clarendon: Crestwood's rebooted wrestling program finding success after 15 years away - The Sumter Item](https://news.google.com/rss/articles/CBMixwFBVV95cUxOcy1BOElkY2NIUkZtLVFMbENTaENfbGtuNjRPdGZ0Mk05UW5FYjVQNUFqcjdkd3ZXXzRrVjdUUlNJR2N0UzN3NHpPbTNQWS1ROGdxamtDLXJNaXU5eGZCOGZGNTJlQ2VMbGpoUDNrVHotdGp0RWEtTkNMZW5OT0hvVXJCeHI1Y2NQQlNtTkltSGlLbzhTX0VzeEJRTlB4b1VNRVJscnN0YVhnb3J5aXN1RlN6VnoxSk9wS0FkaVNWeUlYcW5PUmJz?oc=5) · The Sumter Item
- 2023-09-02 [Clarendon Hall receives $16,000 donation from Bank of Clarendon - Manning Live](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQUpMVHhoMGE0Wk5fSXJMU3daMGNncFFRX0Q1VGJtTTk1d3pVQjhKa1VXX0FMdEV2WU5KTDE0RkpCRWM4UmRvYTByUXhtZkpTNXJNcm94anVRNDVOV1JrSWF4alBwMXQ5MkRIb0hRb19YOW1xSUZsdEZ6ck9oQkUyZnVBeUpwdWo5R0RETjBvV2FNNW0wa0x5b3U3SG5yQ1RC?oc=5) · Manning Live
- 2025-12-24 [The Grind, presented by Bank of Clarendon: Laurence Manning's Dennis brothers push each other to greatness on court, field - The Sumter Item](https://news.google.com/rss/articles/CBMixgFBVV95cUxOTEhnNFVqRmQwMkRKdVVTUVpWQTlRRTdMelM0ZzZWa09WZFdIV0hKZlFrVWQtb3VZbTNJekRFMjVCTDhxRW5kTmhuN0hvc3AtOGJiaTMxaktsUlhlTzc2d2E5RXRPc3ZKRzhnSHpmN1Q5b0RYOS1Kc1p2RGlfRVhfSGJaWHliMHNFNGhDdnNTN1o5SVc2bktUZGZ5UWx1cUVLV3ZFeFlRanhKMzlNcVJ0azFfSUFpRWtkZ2FaYzJTUVd2SEY5TUE?oc=5) · The Sumter Item
- 2017-12-27 [Bank of Clarendon announces new VP, chief financial officer - Manning Live](https://news.google.com/rss/articles/CBMimwFBVV95cUxQaTAwWnJBYUxfNXBKcjdKNVJVcXJDT1gtenFTY0NWV0hMeHozUFpOSjQ4ZjFHVUwxSHA2dGFqeWFhYThiX0hYbnhNZzhvRG1xc2QzdXNoTUVrQjJ4VDNPZEdGaE56TWtxczIzX25ueWV4UFdBanI5RVZlSEJoUC0wVmhfOUJJRW0ySjRLOU5RMDhaOUZ6WDgxb2dSMA?oc=5) · Manning Live
- 2025-11-12 [The Grind, presented by Bank of Clarendon: Crestwood's Scriven leads with lockdown defense, mentorship - The Sumter Item](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbG1IZV9sNkwwbkNfcThBVjJucG9SRUx5Yll0eHUxbjNMYUw0YWhHMmxJYkttbW9qQVJlYUpqYW9NLXhfUG1OQnBjU2NrWXdqaGFWMWwtV3N3ZVhyZFpWa1hsZ3pxS3p5MGlJaXR2Y3NYY18ybTVfYzU0VWdNQVp4QUVVOFJldFJIdUxKYkhZb0cyRWc3bHRBR0ptZk95NDBFVTItaUxSVjA2V19VYldDS3R3ZnQzVTRWWF92RUVn?oc=5) · The Sumter Item

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15671 (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/55.json (key "15671", 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