# DEDICATED COMMUNITY BANK
DARLINGTON, SC · FDIC certificate 26588 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $100.6M | |
| Deposits | $91.1M | |
| Loans and leases | $75.6M | |
| Total equity | $8.9M | |
| Loans / deposits | 82.46% (p66 of band) | 73.59% |
| Liquid assets / assets | 20.34% (p23 of band) | |
| Uninsured deposits / deposits | 17.95% (p43 of band) | 19.81% |
| Brokered deposits | 2.21% | |
| Wholesale funding | 2.21% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.27% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -13.53% (p32 of band) | -6.57% |
| AOCI / equity | -0.85% (p31 of band) | |
| ROA (annualized) | 0.89% (p34 of band) | 1.17% |
| Net interest margin | 4.54% (p78 of band) | 3.93% |
| Efficiency ratio | 75.47% (p71 of band) | |
| Noncurrent loans | 0.47% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 124.36% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 57.18% (p83 of band) | |
| Auto loans | $549,000 (0.73% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 19 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | expense ratio p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | expense ratio p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 3 | assets shrinking |  |
| 2021-09 | 1 |  | capital falling, assets shrinking |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 3 | assets shrinking | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 | reserve under noncurrent | capital falling |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | uninsured deposits leaving |

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

- 2026-06-27 [Thousands gather in downtown Darlington for 13th annual Freedom Fest celebration - WPDE](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUlNSRl9CS1h3QWJHOWZxVUY0MXAzQXhvZlFzSVhBaGQwQkxEeXVLSU43bXR3cDc0a1B1TEVyRVliWWxET3pFNUZWdHpWczB5UnQ1WkN1dWR0T2xrQ19BQ29vU3VMNDVheGh2Z01wYUdGOUY5S2RyeWZwRFc2bnBmdE1KTzlHTFZiejRYdnVTOGlNX1Zrd2Z6Ymk5ZzQ1Ylpzd3R0OUN2YnVWUDVO?oc=5) · WPDE
- 2026-03-19 [Greater Florence Chamber announces Small Businessperson and Public Servant of the Year - Post and Courier](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOWnNoOU9UOUZXSHZmakttSUZ4clZyNVl6Sm4yaVRzSG1FcnJSNURUU0F3N3JxblAtcWtCb1JJTmJkRDVMWGliamFhNTNFbnJ2Z1BrcW5GZDllTU1DclF5RmtJSmxvdENiTlJ3NTU5Uzg4UU55TElUTk5oTmdqZlNBZVlrdmhpZzY1YURscjcxQjAtUXppVTlaeFBSWnZZMUFZbFloX25EbzN5QVFoLVhrbmUzMHFmYmVad1RVdUNMYks4bFctUHZIZTFIR2hvLWZR?oc=5) · Post and Courier
- 2023-06-23 [Peach Cobbler Factory opens in Cheraw: Cooks wanted - Post and Courier](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOYnpCSmdfTEN2T0Zha00yS1A5R2NIZHBpaGVtUmZ0dlBNM1Z4Nzc1eHpTZURzZElBTDNBN1FMeTBVOW5hbndGbDhLWXRDU0FHek5WUzV5U0RWeEJuM1lIT3ZJYnpBcENFQ3dRalpac01SaG1peGVuakl4Ung2X3dYc0RTU0dOLUs4VXBleFI2cS1Ed2dRcTBSZXNtalhCeUUzNWE1SEZQNG1xbVJ5UERFRmJyTFBJRU1zTThVcU02Uk1xS0JaMHJDWXNnS212akI3dnpEcXdR?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26588 (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/28.json (key "26588", 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