# CONWAY NATIONAL BANK
CONWAY, SC · FDIC certificate 2102 · asset band $1-10B · 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 | $2.00B | |
| Deposits | $1.67B | |
| Loans and leases | $865.7M | |
| Total equity | $194.9M | |
| Loans / deposits | 51.29% (p5 of band) | 87.10% |
| Liquid assets / assets | 54.72% (p96 of band) | |
| Uninsured deposits / deposits | 29.06% (p44 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.83% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -14.24% (p31 of band) | -7.75% |
| AOCI / equity | -1.74% (p6 of band) | |
| ROA (annualized) | 1.42% (p65 of band) | 1.26% |
| Net interest margin | 3.31% (p27 of band) | 3.70% |
| Efficiency ratio | 47.88% (p19 of band) | |
| Noncurrent loans | 0.02% (p7 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 4841.12% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 64.19% (p66 of band) | |
| Auto loans | $28.5M (3.30% of loans; DQ 0.46%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 248 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | charge-offs p90 | capital falling |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 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 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | NIM <2.5% |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 0 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-26 [Horry County man arrested in Conway National Bank robbery - WPDE](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMEUtVmc0VDRGTHBUYk0tQ2trSGMtOTVyTWZhcUJuZGVnSmNsLTYwSTdQVktORDJvZ3FOd3NWOXBUU3NxdGdkbnFSa05QWXkwR1lmYlFUU0VQNHRqY3FyMDdBR1JMN2xyTmt0TlVvV0Z3YnplOGVEVmJOVjItRmI4T2lwc0RmVnIyUGZRVGRn?oc=5) · WPDE
- 2026-08-21 [Horry County police investigate robbery at Conway National Bank - WBTW](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSGdPQm9TSnpnNmZaeHVhZXU2WGRqeXBub1ZIWHBIdzg5VERKLU5GcWVDZGEwb2hoLUtzRkJYeTdSbkdUNkoxYlFIb29EbU43R3MzcDdReXJ2djh4dzNMdy1qSDB5RDBuMnZ3VkFZWG9hT0pZcjBaTTdhR3lrT284Uk4wWEppS0wzOHY5S3hqX1NYZC11VGxfMTdZRnRLU0hZNUNFWl9BMS1CZlB1dXU4UFlaX0dNeGfSAbwBQVVfeXFMT0dxcm8xWmdIcW9KRnRlTW5yYW5xRXMzSEg0bmtFYkxiWE9Lb19zdXVMR29vYk5IakNQeHp3QnVSWDJwaWc3S3NqRl9laDVBdlVJZG04ckhSVFY5dkhlWW15RlpxTmhFQkxMcnNVSEF6UnFVY0xZdEFiWG41QnhQX09sbHJsRm9TMktHMTFNaHY3enNXRzdDdUFtd1FKTUVKVHFlTUZXVUlIMGY3OEl1a3ZnS0l3dTl1SnV2THg?oc=5) · WBTW
- 2026-08-21 [Police investigating bank robbery in Horry County - WMBF](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVGROOEJ1cC1ONXM4NzAtZWR1NjAtY05yeERRTmI5RnFPRi1FTkpPbmc2dEU1bUs1ZjB1WG5yWERBZUtoMkRBVHluei1UN0o5RTA3ZGtqSkV4NENHZV8wZEJzUDhmWGhsc19jSUFuY2pGSUxoWWRwUG9xWTNoZ1FnOXRQVVdTNFE0dlA0?oc=5) · WMBF
- 2026-08-26 [HCPD MAKES ARREST IN BANK ROBBERY CASE On Wednesday, August 26, 2026, Horry County's Criminal Investigation Division made an arrest in connection to a bank robbery that occurred on Friday, August 21, 2026 at Conway National Bank on North - facebook.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNUG5qVDFiN3UydmhQYTdXNFpKV0p6X2JrWkRsSnpFVnRFSDRaa3RJV015Qm1PQmVBYWNUcEQwaFR3ZTZhSkJCYWdvWk5URTlwT0k1UDVSQjBHODR1ckJvVldVZzJpZXJCa0FZNnBDNXJtRG9haGdOUk9ocWpKYnEzRU5lVk9nRWRTVXFzc0dsZEJoeE9CNFFvb1MxX2ZXWk1tN3daMmpaRkttbmVLc1Q3dzZyeF9pLVhGM1VRNFdJUnNJZkJEcmRQczVtS181ZkNzZEV3R0VhOFBWMW8?oc=5) · facebook.com
- 2026-08-21 [Horry County Police investigating reported Friday morning Conway National bank robbery - MyHorryNews.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQM2t4dkVRZkpXd0lkM0xlVGFpOHphaEN3NmhKeXdxWDRmQTRNdVZBYmxzbVhWZkdyaXJCam5UMHcyc3NKTko4TFcxdkpTakxQODEzUFFBOXhaR3BndnlEemUwWnRJUjUtVWlYemNnQlFSWl9BNVlISlIyYzdTdFc1Zk5oRHRVSVBRR2JaSlJTVnBRd21yV0I0M3IzVE5DVVRId2U2bC0xQk45TEg5Ui1hTTdTVkpVQi1wOHlkWHMzTk1YUVY2bzFtYVBOZnl6MWN1NlB1MXZtTFlQTGhkMXhtUldCZVpQbGZxMk1KQTVTa203RVVlSkRuM3JMVVdoZw?oc=5) · MyHorryNews.com
- 2026-08-21 [Police in South Carolina searching for suspect following bank robbery - WJCL](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUUVOdnR2Nk5KV1RTTUlfdkZwWURPYW1vTFlneFR6SDNBMEg3MkZjMFdNRERjR3VZOHBmOVFnRDdSOXZsdlNyXzd1RG1SMmVJTm4xeVVWZ25HRFR3UjliTFRXSW1IUGtSekppblJheHhzMnZMVnJ2Tm1WTnVWMEF2WHJha25fcXBfengteQ?oc=5) · WJCL
- 2026-08-27 [Horry County police make arrest in Myrtle Beach-area bank robbery - Post and Courier](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQT19FUVNCVGpLNjRnbGR5LUFqVWZia2dnRGtOajhSM2pPekpUUTk1RWxuV0UzWEQ3a1lZS05qZDZIZE5objBMSkItMFlORXREbjQ3T2MtWk82SFBQcGR0c19pZzBmMVVuNUlVUDViUkZQU2pyMmp6Tm1pR2ZqaXg5WndpQXVqdEZLejViVTR1eXQybWdjb1NpcGY1Mk8wQ0hOcGNDbW55UXZ2MWc0SFdIX3h5dlZlZEVTbG93blN6cXBPMXRqMVoyZWIyb1MySlVRUFRfSkpxQ2o?oc=5) · Post and Courier
- 2026-08-27 [Police make arrest days after robbery of South Carolina bank - WJCL](https://news.google.com/rss/articles/CBMifkFVX3lxTE40SnhNazJObXBDOGFGNG9tc3BiUGozT0g1RDZHaXJ1S0MtMGtnR0licTFOczA2MkRxYkF4U1BrSXMyT0xucWhkbUdFVzk4LXhyTG9DT3NpSTN5bU13OW8xYzhvRU9lOU9wd1ExWl9ieng0TXZ5eXltUFN6VzZEZw?oc=5) · WJCL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2102 (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/54.json (key "2102", 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