# CBL STATE SAVINGS BANK
GREER, SC · FDIC certificate 31900 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $191.3M | |
| Deposits | $125.9M | |
| Loans and leases | $117.7M | |
| Total equity | $29.1M | |
| Loans / deposits | 92.63% (p83 of band) | 73.59% |
| Liquid assets / assets | 31.09% (p47 of band) | |
| Uninsured deposits / deposits | 15.50% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.68% (p92 of band) | |
| FHLB advances / assets | 15.68% | |
| Tier 1 leverage | 15.93% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -6.41% (p51 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 0.10% (p8 of band) | 1.17% |
| Net interest margin | 2.14% (p3 of band) | 3.93% |
| Efficiency ratio | 94.91% (p93 of band) | |
| Noncurrent loans | 0.01% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 6623.53% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 44.32% (p76 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | noncurrent p90 | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 0 |  | reserve under noncurrent, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | capital falling | charge-offs p90 |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | uninsured deposits leaving |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | expense ratio p90 |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | losing money |  |
| 2023-12 | 4 | NIM <2.5% |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | wholesale funding >15% | losing money |
| 2024-09 | 5 | losing money |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | capital falling |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 3 |  | expense ratio p90, losing money |
| 2026-06 | 4 | expense ratio p90 |  |

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

- 2024-10-23 [CBC Chair 2024 - American Bankers Association (ABA)](https://news.google.com/rss/articles/CBMieEFVX3lxTE5MOUdyQWtlLUhJRS1NTUxLdHlmMHQ3WkVwUDZSV1FWbTNUakw5dExPelVCNHkzS0lweVp4TmE2Q1c0NmgzNXNzZmRYWHFGTGZNVlVzcUJIUmQzYUhTV2Y2MTJyQktfMHY3OFZTZDVKRXpNT0JadlJEdA?oc=5) · American Bankers Association (ABA)
- 2024-02-27 [Ralph W. Johnson III - View Obituary & Service Information - The Wood Mortuary](https://news.google.com/rss/articles/CBMicEFVX3lxTE0xMVBCM0lkbVZOb1p0OWhONzYxTlpkM2xfRzVkYWFZdEs3TDZRV2E2M0t0SUxWVVRTbzdfakktRU4tc19uengxX3NEeXBpQlVvbEd0ZUNNZ1ZDakhKNmZ6VlFKNFl2T1ZINVowN1hmZko?oc=5) · The Wood Mortuary
- 2024-09-10 [Greer Chamber announces 45th Leadership Greer class participants - upstate business journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxPWlFubkFiZEw3a2RWMTFiRElEVG5nMmZCWW81WHM5a25QTjh4TGtXYnIyYUtDZHVUS0FGN1dtek1tT2FJZS1DWnNBclBHR2lEUWVwY0NKVDRsVXNiV2Q4czI4Tm9BT2hlTFVvVHNHaXJ1Sjg1aUw1TFJxUTZPVW9QTlJuX3ZUWFVqbF91VUZTaUl4SmlLN0tPYm5xQzVXZTFOTkg5VUFBN1k3UThiaWdVbHhtNDg?oc=5) · upstate business journal
- 2023-10-09 [In The Know - Greenville Online](https://news.google.com/rss/articles/CBMi_gFBVV95cUxORWk3eW14VU4ySF91V2JqV1FCQnJIdFlBTjU0UnRxNUhEc2loQml2OTJrWkJsNURNTm9OeDZJZXlrVGdycmoyT2pZb2o3c2hHaTVVOHhIaG0zWW1ma0VjOHg0QzgyRW8yOWtRMVl3RDRUNUtUT3c2SkpURmJGOXJyN3ptTGdPNW5BWEdOaDUzem9wREo0Q05XWXNSZ1Z1ZFFOYy0ycGJlTWNDWDFkNVZSYW5uaVYwNGtnMjhUZ0l5VE1RYlhkYjMxUjU4UXBCNjcxZHYza0pyal9WNnVldGlTT0lXUk1QWkU5UkhjLURkY1o5dXRISDRpcEFOU0lvUQ?oc=5) · Greenville Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31900 (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 "31900", 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