# BANK OF SOUTH CAROLINA
CHARLESTON, SC · FDIC certificate 26912 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $571.2M | |
| Deposits | $497.3M | |
| Loans and leases | $369.5M | |
| Total equity | $60.4M | |
| Loans / deposits | 73.41% (p32 of band) | 82.04% |
| Liquid assets / assets | 32.40% (p70 of band) | |
| Uninsured deposits / deposits | 44.42% (p92 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.76% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -10.88% (p41 of band) | -8.10% |
| AOCI / equity | 0.09% (p84 of band) | |
| ROA (annualized) | 1.56% (p67 of band) | 1.28% |
| Net interest margin | 4.61% (p85 of band) | 3.91% |
| Efficiency ratio | 56.15% (p34 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 412.13% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 87.84% (p81 of band) | |
| Auto loans | $49,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 81 | |

## 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 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking |
| 2013-03 | 2 | deposits shrinking | uninsured deposits leaving |
| 2013-06 | 1 | capital falling | reserve under noncurrent, deposits shrinking |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | uninsured deposits leaving | capital falling |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 1 | charge-offs p90 | deposits shrinking |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2022-12 | 3 |  | deposits shrinking, assets shrinking |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 2 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 3 | deposits shrinking |  |
| 2025-03 | 2 |  | construction >100% equity |
| 2025-06 | 0 |  | assets shrinking, deposits shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-25 [Bank of South Carolina Corporation Declares Increased Dividend - TradingView](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQX0dQbUtjQnlxU3g3UGphZ3h6NVU3SWs0Q1g0SXFlckNjOUVxNVp4S3Q2UnlhRjMxV1lIQXRvV1JQOUc1WTd3aW0zelI3RFhINnlCR3ZoYV9LLUJHWHhqZHV5Z3d6SE9mVFhJcjNXTnIydnBnSG1BR19tbm1Ia1p3anhBUmk0RlNKbUdlNGc3WlR4WTdfM0JCeFNnUHZmQWNCQmhfaExjUnJJUW5oblE0UWlNU09pTEFGbGF2Z0ZjMXU?oc=5) · TradingView
- 2026-06-03 [Mother's Milk Bank of S.C. opens new depot for breast milk donation in Sumter - The Sumter Item](https://news.google.com/rss/articles/CBMirAFBVV95cUxQd01tMVVRQVdrV2dSWUhwMGdPRUJqN0t6dEg2OVJhQ1dTZ3pSUHc1N0did2VBYVByNm9Tbl9Ja1pIX0JNeW4xaTBicV9JQkRNTE9LRHVHQW5ObUdzQnd5RkpVaFN1RVZWa1QxZHpycHRRR21iLXNnMTBtQ1I0c1NYQ2QyT1ZlOVQ1LWI1TzVBVEo0cnFuQjRhRnRjWml6aVYzTjFDV2sxMEhZVERU?oc=5) · The Sumter Item
- 2026-08-06 [Don H. Brown Obituary (1939 - 2026) - Mt. Pleasant - Post and Courier](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNW9nVkQ3MVNxZTRpZW1DdW1zZ3p1WHdOTXpPSENlYUVPaWp1TWxYc0NCbDR4TkNQdHEyXzZYRm1OZEo1OWF3VWpoVGFDVzVxNzcyV2NKS3c0STkxUnJkdTd5bGVQRHhYU0lJUXNCcXVTN1Njb081ZVBRemV4U0NFVTZQTHhnaUpHYkxkek02RkZFU3BJSDZqZ2tIRQ?oc=5) · Post and Courier
- 2025-07-31 [2 Southeast bank branches will merge next year. What it means for SC customers - Hilton Head Island Packet](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVWdUMEJuWmVoRW1OenBlNGhNVHhodFdzcEhtUDFZQjM0TXlWdG9RQjNYVDNUV1FEM2s1Rm5mUmpmblVQVGs0QklYbjBmSmw5VkVtT2dPYTYtTm1ycnpyR1NDSW5mMEFrUjMxN1IzM0RsWE1ZZ3JuZ3g0VjJLU2hPanN30gGCAUFVX3lxTE9VZGxfYnlVOG1rOXUtYXpKOGhoUUtrRUtoeElhTVpEZVF3QlM2MkpRTGhWT3EzRjdlZkVFYXZ6NTBXREVtZDFiMHdPcFVqM1dWNU9IWE03Qm9ZR1dXNk0zb1dKa2YwdGZ5VmFrNVlDUWd1X1NCUXFBbjhHUUh0UnF1aHc?oc=5) · Hilton Head Island Packet
- 2026-02-28 [James Haigler Behling Obituary (1931 - 2026) - Mt. Pleasant - Post and Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdkVDMnhMbVJQT1dlTGtrbXdlR2xaTG5aWGxENm9IMTBjc19FVnNDZ3FlMmJUVVk3Y2ZDYUdSUXhpQ2Y0VlpCZUtaM3E0eVRpeTVfNlpsaGtaUHhnVG1fT0p6MDFJMnNVY1BLZTc5Y3lzNDF0M0wxQ2lWLTZQOWY1UFBqWmVjZmdZRVpHT2JrTnlNRVFZYk8yV1N6Q1B6M3YxRW1JZG16NEI?oc=5) · Post and Courier
- 2019-01-04 [Generations of Bankers - Columbia Metropolitan Magazine](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1VbEd1dncwZFpCR0F2VlM3RFhuTlF2RjlNelNhTjNRTnh4N3M2bTI0VkJ6cVZja2NCVXVPWHducE9aMWt2ODhOUGR1eS1QUUtTR2cxMGJoWmRhUG1oRE9ibEozQmNpYkhE?oc=5) · Columbia Metropolitan Magazine
- 2018-09-18 [Travel Historic Charleston, South Carolina - nps.gov](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9rczVRM3Y5bnVxWWYxdWkxaTVjVC1VWXNhLXN4SXBKNmQ5WW1odzFvb2Y3NHA0ZjI1Z0Eyd25oU2MzeVdQSm9aSm96ZFg3ZzFLUnViVGFKTnhIQWo4SDNoWVo3YlF6UmNL?oc=5) · nps.gov
- 2022-08-19 [Bank of the Lowcountry welcomes Chase Talbert as new City Executive - Charleston - Walterboro Live](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNZkRDMl93bnRWc3ZYREh1cmRLak1XeFZkWVdDay1PR1E2X1NSYXgxdGtySmVRVFJlYkR5azZ1YW9vRm9qSXBvYXJLVkFNZllXaE5pX2JnQXVXN1lNQ2ZGYW1jQVpCSVJ4bjdhcWgxbGZCZVY1T25WbDd6ZjNYa3lLOURtN2hWUUMtZ0QtaF9yT29vMXg1d2FHNUZ0ek02WnNmWVlUeEVVTHQzSWxVTlVDS3dSdjBDZEc1MnBj?oc=5) · Walterboro Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26912 (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/32.json (key "26912", 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