# HORRY COUNTY STATE BANK
LORIS, SC · FDIC certificate 27139 · asset band $300M-1B · latest filing 2017-06 · stopped filing (departed)

**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 | $390.2M | |
| Deposits | $322.2M | |
| Loans and leases | $232.6M | |
| Total equity | $36.8M | |
| Loans / deposits | 71.08% (p25 of band) | 84.48% |
| Liquid assets / assets | 33.41% (p73 of band) | |
| Uninsured deposits / deposits | 16.34% (p32 of band) | 20.77% |
| Brokered deposits | 1.34% | |
| Wholesale funding | 9.12% (p62 of band) | |
| FHLB advances / assets | 7.43% | |
| Tier 1 leverage | 9.97% (p44 of band) | 10.22% |
| Unrealized securities loss / equity | -5.30% (p2 of band) | 0.17% |
| AOCI / equity | 3.56% (p91 of band) | |
| ROA (annualized) | 0.39% (p8 of band) | 0.94% |
| Net interest margin | 3.06% (p15 of band) | 3.62% |
| Efficiency ratio | 87.86% (p96 of band) | |
| Noncurrent loans | 0.81% (p61 of band) | 0.60% |
| Net charge-offs (annualized) | 0.06% (p71 of band) | |
| Reserve coverage of noncurrent | 192.29% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 73.54% (p78 of band) | |
| Auto loans | $18,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |
| 2011-09 | 11 | noncurrent p90 |  |
| 2011-12 | 12 | AOCI drag >20% of equity |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, AOCI drag >20% of equity |
| 2012-06 | 13 | losing money |  |
| 2012-09 | 11 | capital falling | brokered >10%, wholesale funding >15%, deposits shrinking |
| 2012-12 | 13 | expense ratio p90, deposits shrinking |  |
| 2013-03 | 10 |  | uninsured deposits leaving, losing money, capital falling |
| 2013-06 | 12 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-09 | 12 |  |  |
| 2013-12 | 12 |  |  |
| 2014-03 | 7 |  | charge-offs p90, assets shrinking, expense ratio p90, deposits shrinking, AOCI drag >20% of equity |
| 2014-06 | 9 | expense ratio p90, charge-offs p90, uninsured deposits leaving | securities losses >30% of equity |
| 2014-09 | 9 | deposits shrinking | uninsured deposits leaving |
| 2014-12 | 7 |  | expense ratio p90, deposits shrinking |
| 2015-03 | 9 | deposits shrinking, assets shrinking |  |
| 2015-06 | 9 | expense ratio p90 | charge-offs p90 |
| 2015-09 | 10 | charge-offs p90 |  |
| 2015-12 | 10 |  |  |
| 2016-03 | 11 | losing money |  |
| 2016-06 | 5 |  | leverage <7%, leverage <5%, reserve under noncurrent, construction >100% equity, noncurrent p90 |
| 2016-09 | 4 |  | assets shrinking |
| 2016-12 | 4 |  |  |
| 2017-03 | 1 |  | deposits shrinking, charge-offs p90, losing money |
| 2017-06 | 1 |  |  |

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

- 2017-08-14 [UCB completes merger with HCSB - MyHorryNews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQQ0Z1WjFVYmd3YW93QzhETVFjTW5oMTVMcXVNdHZtSmt2bElKYTVESWlOSXFMWTZXV1hMcGRWSkxxbW8tOHk3cTQzZ1hCS09iZXo1NWFteC1tUzBndnZJaW5JcE5UTkNsMmpCOUM5aHVBMzVnQ1hIOUl2WTlXMEtwSW5ocHg3Z051YXVtbzRsczJ0a2tzZGVEQ0k0c0ZBNmhaQS1qMW0ySWwwTmdzYzdidjdCZHJZa2FiYnMxcWNldl94UkE?oc=5) · MyHorryNews.com
- 2018-07-27 [James F. "Frankie" Lewis - View Obituary & Service Information - Goldfinch Funeral Services](https://news.google.com/rss/articles/CBMiggFBVV95cUxQaDZyRUNOT3l1VTJMSlBpOFlTU29pVk5vSldBaE9SRUJiUE01dlpKLWpYRC1Dd0t5eEQtbk41bjgwbTFiY3B1QmxiZmx0WERSQzEzYW5XSWVqWnRMZEhDNVZrb0VVX2pNUkd0ZHpUVUtMNU5FVzJqQjFOV3dGVlItSnZR?oc=5) · Goldfinch Funeral Services
- 2022-01-14 [Holiday Closings for Martin Luther King Jr Day - Myrtle Beach Sun News](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOHB2TE1yQl8yUXVvQVlNTGNHbFdrd0ZqM2hUbTd3SWFhbjAyVlZ3Y2xLVFBvUlEzeWdvbWNvdVFSdC1GMEZ3Rm5uWWg1N3hLUlRTZmxhc0lXbktEcHRORWNqZ3pCVDdtY3Z3ZlptTFJKNFpqcEREUWwyMDFOdEppNENn0gGCAUFVX3lxTFBsZjBRQTZySm1GNnVySXF2OGo2eERhRW80Uk53bHBQb1JEU3FuQWtGZEFjZlNqM3VKblVOZ3ZoV0NzWU9lM0RtenZmS3VseWhyWlluRm5hSWNDUXdLNXdNbGpjdXY1NDIza1FQRFVlMy1uZlpqeHJkaElfak1VaUZlTFE?oc=5) · Myrtle Beach Sun News
- 2005-12-14 [Bill Page Obituary (2005) - Charleston - Post and Courier](https://news.google.com/rss/articles/CBMimAFBVV95cUxPcjVwSzN1V21PSEdJZW9XcnQxOTdXQ2t4aFVmbENQdG1NNUlZWmhIbWw3bjdXMmlOUnlJSEs5SE5TbkpURjNuUHIzQ2VDSmFQc1k3cThCRGVQRlJkeklxZUNuSHR0OE8yNldibVJxcUFtZ3BsVlBoOEVQa1VwUGw0TzdEODgxVVk2cEVMUXFiNFJJaHhDSjNKUA?oc=5) · Post and Courier
- 2025-06-19 [Thomas Freddie Moore Obituary (2025) - Loris, SC - Hardwick Funeral Home, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVUFucWctdUVqVzJxVDZreVAxNlVTb1JVRjlfSk5sVHhBZkZNUzVQYkNEaG56NHZsTGVrYmRNdU1lQWJ6ZFRucVk0ZENwM1dwUmRtMm9oTHVXbUdKQ1hDSV9WNUZ0Q2lnZjh2d0F4d3kteDFlUlZUVF9pUlBseWNSdQ?oc=5) · legacy.com
- 2016-10-17 [First Reliance Bank holds celebration for new Loris branch - MyHorryNews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOWldHY1VjQzl6ZkpkTXByRFlwc3MyWDJ1Ujg4dkV0SzBMQWIyZHZsNUpxS3BQNmJkWGZjaWpWWXdsMUlnV1dhMjktUUpkRTJ2VjFQMFA5RXRfeTBsX3FwMXVBa2dvSEo4ZFItaTJWQURWRFdWQXNoaWQwa2t5MHJUQ1JPSzYtQXo5aGVjVmgxS0VLNkZCUVpiTnZmVGxOdENxYW1hUDdyMzNqZENTU1B5OTkwQlMxUjVDNW1OVXc0dF8wRTM0Sks3a0JLTmJ3eWlGUXA0S3hCY0JNUnN3Zmotbmd4dVM4UGUw?oc=5) · MyHorryNews.com
- 2019-02-15 [Holiday Closings for President’s Day - Myrtle Beach Sun News](https://news.google.com/rss/articles/CBMiggFBVV95cUxQUWpQWDF5RGJOazJVdTBRQWU1emp0X0twSGY1RVdHdEhfSjRfUDlLeEMwMnlMM0tuRHVWSVd6OGhqMVpIWGVURFBoNVVsellkMnZpTGRUMW1qX1dldmRIOWZaRXQ1MlQ2dGNDbzE5ekI2ZjdFYlFDcVl3RjY5SmRiOGNR0gGCAUFVX3lxTE9jX1dsblY2Y0RyblVKa29IaGJnNjUxcFJuSWVEejJIM2NpQ0tVOWVfUGQ4MTZ0cUxPby1zTHIxa0RsYURGUmYtN2VWM2hxOFNSbmFTWjRqS1lrT1U4ckhsc2pCcHctUkU3MWFuMWFDbV8teUdGMW1GalhQQm1JWGFWY2c?oc=5) · Myrtle Beach Sun News
- 2018-07-27 [Diane &Charlie Parker - View Obituary & Service Information - Goldfinch Funeral Services](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYVBXMkRuMGtSekJ5WUNueURxUER1cVc4OTllMGcyUU04X3BPM2Jnb3IxMVNvODBEUUNFTlNJWnh4bFZMWlR6djQyajNWTm9HUFZTRWluU09BWG5QaGh5Y00wYVJ5SnVENzFRZmlLSXlncERCS2N5X3l4UGtCNUZuRg?oc=5) · Goldfinch Funeral Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27139 (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/3.json (key "27139", 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