# BANK OF THE LOWCOUNTRY
WALTERBORO, SC · FDIC certificate 27496 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $430.2M | |
| Deposits | $365.0M | |
| Loans and leases | $326.4M | |
| Total equity | $32.7M | |
| Loans / deposits | 88.58% (p68 of band) | 82.04% |
| Liquid assets / assets | 21.56% (p37 of band) | |
| Uninsured deposits / deposits | 28.49% (p61 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.97% (p67 of band) | |
| FHLB advances / assets | 6.97% | |
| Tier 1 leverage | 9.25% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -26.97% (p15 of band) | -8.10% |
| AOCI / equity | 4.20% (p99 of band) | |
| ROA (annualized) | 0.75% (p19 of band) | 1.28% |
| Net interest margin | 3.96% (p53 of band) | 3.91% |
| Efficiency ratio | 74.95% (p82 of band) | |
| Noncurrent loans | 0.15% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 603.17% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 111.67% (p90 of band) | |
| Auto loans | $6.3M (1.94% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2012-12 | 4 | noncurrent p90, charge-offs p90 |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking | noncurrent p90, charge-offs p90 |
| 2013-06 | 5 | capital falling, charge-offs p90 | assets shrinking |
| 2013-09 | 2 |  | uninsured deposits leaving, deposits shrinking, capital falling |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | uninsured deposits leaving | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | NIM <2.5% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | construction >100% equity | NIM <2.5% |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 4 | expense ratio p90 |  |
| 2024-06 | 4 | brokered >10% | expense ratio p90 |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 | uninsured deposits leaving | brokered >10% |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 1 |  | securities losses >30% of equity, capital falling |

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

- 2026-04-27 [Bank of the Lowcountry Welcomes Gray L. Henderson - Walterboro Live](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWjVNMXVwb0szZTl6LTh4UE1Lb1ZGd1g5ZjltU2l4NzVKUzRNN2ZDUVM1UVVMZ2szOUJOelR5WnUwTlRnOHM2MHNzdUtPd1lWQXhtZTJUMUlDb1h0X01kMi1WeF9BamxlSWYybzFHcnJ0RWgzdWd4cExvNGRBc1JUbUZjdkpPeW94SHRzNUNmOVVmYXA4?oc=5) · Walterboro Live
- 2026-04-20 [News From Around the South Carolina Lowcountry - Bluffton Today](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPSzdPcU1KTlNYendfR3RGUWh5cWtLRV9OUjU1bFZKbmFoNzFnUjJhY2dhaFFXaV9ENl9wNXNlZ2ZHUHcyYTBqTXJFMHpnTGphbHlBaHNaMzBVemNWXzJmMTVPdmRxYmRzV2xpZlpuVUhkaV8tXzBIODFKaXctai1Fazh6RWxZeDViTEpIUnBfZ0JveTY2LXNEVnk3R2RHWEJ1clRBbHJfT3Roa1Y2b2Y4N3VjYkE2cXFr?oc=5) · Bluffton Today
- 2020-09-14 [SC Lowcountry bank is changing its name but not much else - Post and Courier](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOT05maEF4N2dad2h0V1Jsa193SDZkY0ppZVJtVFExTWJXM2FyZXE4eVdJN3k2M3AxWlhkdW9heE9WQTNzNV93aU9tQ1BmNGtsd3liLTZtcl9FdmptWFNfbHFDaU4zT0ZpTkpPY3hDQmZPOUtqYWJUdERnMFdjbmd6a3htMWFYUG5jRW92M0JzVW5MOUF3R0RaWDc3YlhGX1FLOEdLWWYxUTQxS19pcGs2Z041YWR6dVJIazFmTnNjTHh0RVRxNVZVY0ZWY3d4d0MxQ0hKVA?oc=5) · Post and Courier
- 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
- 2024-06-10 [An SC county treasurer accuses administration of hiding dozens of bank accounts from him - The State](https://news.google.com/rss/articles/CBMicEFVX3lxTE9pUU1ZNEwxWklwVzJrTWFtS2dEZ2lnemlKVDBGOU4xRGVOeS1NbFpGMl9LNXFXNFVNVUw2VUxQdkppMG1HMlBPYnhfQ3ZkWDZzNzVzb2p3LUVOSjFHdTBROTAxSTMzNW5QNWVDNTJoUHrSAXBBVV95cUxPQzlqMDNTTWFCWFV6eXBkXzF3NlVJcWRvRjhucjBrUThxQi1QeTEwMXRuRVc2VXkxakJJdFp6VURjRXhNdmpQMDZ2eVU5ZTdacUpSSWtKS0F0UzZISGJ1WEFpYmxoMVh4bHJzWE92XzJZ?oc=5) · The State
- 2021-09-19 [SC hires and promotions - Post and Courier](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYTFSOFBEYVJDNFpLNnF2WUtDTmRUb2FyWlpNMkgyVi1WVG5VWTlGQk1TUExRSFRsZTJqemVnZ3BFM0N4YWFvWTF5d00zQmhOOExfejg4ODF3cTR1cUFqb1BzYXl3aEZVTUU1UENlczVzdXlUQlg3UXFCUnh1bzd3QnlvYlZGZzI3TVMwVDVMZU5rMXBGNTQ5bHRrZlZEb0dOdTNfU293SQ?oc=5) · Post and Courier
- 2024-07-16 [Jasper Co. Treasurer files suit against county administrators over access to public money - Bluffton Today](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNc0xGNXZsZW51NThKQ0tXS2lheEE0V0lmQV82YzhQN3c1WEdhTF9zVVlMN3I0U2pZLVctR2dCa0hZUGV3bG1haWFSZ3Z1eUd1bkFoelJBaHBvZm9aSGF3U000UVQxc25fSFp0clhlRE5jdmk2Z1JlLW45NkpHZzd5cmdxZ3J0amJibTd1OFJRNzE3cWVvTzV4RFFTRTI4SHQ2dUxsQkM5QV9mbEZxeWtjcFF3dDlyX2dHUUJlbkdOZVI2UzJHNDFyb0c5Z1RXTnlSdlQ4eA?oc=5) · Bluffton Today
- 2018-12-14 [The Bank of Walterboro to get new name for the new year - Walterboro Live](https://news.google.com/rss/articles/CBMingFBVV95cUxOZzFvTWIyaTVDb3RoVWtab2hZOGQzaTVGTXRYdGNIV3A1akpmWVNZaU5XQ2QzdDEzRmxmaEYtaXA0SUo4aDlVcy1SdmtiTHRWaTFIV2RZU0lYczBPS21vYmJpNTQxdjN6ODI4RHB1THc1T0gyeWNnMm5aazRpZVpGRks5RmdrTWFXbXFnOVQ4VU95QzFxNnhta3RGaGNldw?oc=5) · Walterboro Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27496 (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/40.json (key "27496", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide