# CRESCOM BANK
CHARLESTON, SC · FDIC certificate 57135 · asset band $1-10B · latest filing 2020-03 · 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 | $4.80B | |
| Deposits | $3.59B | |
| Loans and leases | $3.23B | |
| Total equity | $780.0M | |
| Loans / deposits | 89.51% (p52 of band) | 89.07% |
| Liquid assets / assets | 23.41% (p60 of band) | |
| Uninsured deposits / deposits | 21.63% (p34 of band) | 27.79% |
| Brokered deposits | 5.86% | |
| Wholesale funding | 14.24% (p76 of band) | |
| FHLB advances / assets | 8.00% | |
| Tier 1 leverage | 13.17% (p90 of band) | 10.26% |
| Unrealized securities loss / equity | -0.61% (p18 of band) | 1.40% |
| AOCI / equity | -1.73% (p11 of band) | |
| ROA (annualized) | 1.18% (p72 of band) | 0.87% |
| Net interest margin | 3.92% (p77 of band) | 3.51% |
| Efficiency ratio | 59.01% (p34 of band) | |
| Noncurrent loans | 0.86% (p71 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 70.53% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 56.41% (p62 of band) | |
| Auto loans | $3.5M (0.11% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $4.9M (1% of equity) (p79 of band) | |
| Deposits YoY | 26.3% | |
| Employees | 841 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 3 | wholesale funding >15% | leverage <7%, losing money, charge-offs p90 |
| 2011-12 | 5 | losing money, charge-offs p90 |  |
| 2012-03 | 4 |  | losing money |
| 2012-06 | 1 |  | construction >100% equity, wholesale funding >15%, charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | wholesale funding >15% |  |
| 2013-03 | 1 |  | wholesale funding >15% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | wholesale funding >15% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 1 | wholesale funding >15% |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | wholesale funding >15% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 0 |  | expense ratio p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | wholesale funding >15% |  |
| 2019-03 | 0 |  | wholesale funding >15% |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 1 |  | wholesale funding >15% |
| 2020-03 | 1 |  |  |

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

- 2026-06-24 [Convicted murderer in Conway bank robbery to appear in court as SC seeks death penalty - WPDE](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOM2x6ZVl0cEZjTmRfMWRNRHNwby1DeVl3Mk0zWDZGamVsV29VMFlyMDlsZGkybVllRlJRbVY4NzMyV1pZN2dVd1ZHY09RdElfZWtjUkRIdWxDdndjT2RMYlVjNThnMnVLTUp0bDVJcTI0eXlHeEVFbWZTVWtWc3p2bHdlU3NwUVJqaHlXVi1DT3VuQkhIYUtTZ0lES3B1Ri1lMGR5MEFlU24tUHNnU2w3TXpVSmZ4QVFPdzNON0RmTXhJaEd3R3BST2hKYk13Umt2elMtSnoyczBUdUVkWExEYg?oc=5) · WPDE
- 2026-06-29 [SC moves to revive death-penalty in double murder after federally commuted sentence - WPDE](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNbTFFYktQRldmZ0JrbS13MHNKRzV3WVNGTmRRWmVxMHhXbndqVXdTNGtudnpIS1dtUFNMOWJfcEZ2T1N6MDVLTWcxT0cxRFY5dy1vNWpieEZmcTFJOVJXdkVoeXl5OGlQZll3eWk4eTNjSXFXbzZVYUVmTi1OdVItVUxva213aG9lS0RiWGhwWW5WWFBHR0tpdXFMOXlSVDRwQXdVeW0wZ1RFeGcyTGVDN3pNYldDLXFhOTd6UVh1YVRiVVN6YXRmeUJZR3VvNkl3czFHMlVmaHNac1RaQTdnVDVLaEU?oc=5) · WPDE
- 2019-11-18 [United Bankshares to buy Carolina Financial in $1.1B stock deal - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZ1BBWVJqSXpTdnlKS29jaC1NRVYyVEx1bjhUQllxTjFiaW1PTXBMdVphTFpWV3d1dEV3ZVdHZzhBOEZucnZpOWVOYUhfbWxyUzdLVkpCSHhublREeUVxV2YwOWx0Skd1ZWRCamE5VW1oeHQxR2p0b2tBU2R4clZYOXBjUVBLTG5WTV9aOWpnRndmY0JwWmFtdkJ4ZG42NlR3UjAzWUp2eTJPUURzTXc?oc=5) · The Business Journals
- 2020-08-20 [Morrow appointed chairman elect of South Carolina Bankers Association Board of Directors - Post and Courier](https://news.google.com/rss/articles/CBMiowJBVV95cUxOdUJ6QlZPeVdYd2pSYUJkZ1BETnh2b2tLeGJ3akhyc3hRc0FabktXbHYybjFxYmppdGdkbEVYYjBlblJzWFBoamhVS2EzakFoN2RyLWZ4NzVtNHlRTmtULVhfczJDdFJVYThxSkhXcGVtd3BISGFLdzc2dk94UFBBdTdRbmxIaDJDTXBHWUVWWWFTYmx4M0Vpd2t2ZlZiZ0N4QWRpZTBJaGs4MzhZYnNVQjZTOUFFR3pZeGc5dU8zSkRiVGdsSHVjWG1PdmlUOUhLa1pIOC1rYy1yTnhFOEYyb1g3NW02dlZIVVRZTy03ckFRRkpVV2NOaENXTHN6Tkt6VUdjdGw3bWFmcFFhdWtnUGRQRDNkdE9OcFhhaVBLU1k2LW8?oc=5) · Post and Courier
- 2019-07-16 [South Carolina-based bank acquires Charlotte community bank for $100 million - Charlotte Observer](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVXpzUGdTbEJpTloyR3dPT2hTajQ5cVkxMlY5VkdPOFFkdmZqT1RydlJXLUxsdWl0bzlEMUFZcFJ3c0kzR05pNUwxNzJadk5lVTlsMUxoLWJodEpBTlkzdGVuR0RhdWk2dWcxT1ZvUWJnWXFCWW82bnd5ZkFVekFnR1I5WdIBgwFBVV95cUxNQUFpU2l3ZDlrNGtBNThhc09ISEt6MGtRX1JBeWlQbnpVdS1LcjRXV2d0TFJMbEN2TU1vZGtvbndqTmJUNUFpSFlPT1VYTVZJMGJJMENMSTVfVk9Eekd1OVptOFJuSG5NeEFlRzNmb0k5TFA2YVI4V29DVC0ya0MwN2d3SQ?oc=5) · Charlotte Observer
- 2017-08-24 [‘He was going to hurt somebody.’ NC suspect outlines fatal SC bank robbery, affidavit says. - Raleigh News & Observer](https://news.google.com/rss/articles/CBMibkFVX3lxTFBxQks5bXpRN3cyaDREdVNEcEFzMjd5TWdkSV8xSkJoY1BjQXd6NWVJMjB4MHFuUTV0ZEFPOEQ0YlNISFY5bTljVTFYVDMyTGM5d3I3bUltc1ppZkY3MzBicUEzbEtUa2xPSk5TdmZn0gFuQVVfeXFMT296UXlJck0xNG5nM2ZNd1gtM29wT1VUVUxCSVR4NFEtWHJkMExZdktoVEpfTFlBZ3hCbC1sdzJiS2N2M3IzLU52akNQOHlTTWhyeTZrRGlDcnNZMTBFOWNKZWgxaFlWODhWMHZ2Z3c?oc=5) · Raleigh News &amp; Observer
- 2019-09-17 [Trial sheds light on CresCom Bank murders - MyHorryNews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPaEp4NTNBcnhabFpURzdDOW5CWmhSNlhQTVNLMEN3bk5Rb3d6aFB6SEI1ck4zM29JbERPM3JUbmZlU0pvVG1LZk5KeHU1WEdyMFNnNW9tTDVteUV1a3BKWGFQSGJJaHJBa0lHaTRUZU5WRDVVNzh3YXJWUllEeEFfVjRhWUExbEx6RlhGTnB4eFgxdF9DXzYtN3pSbTNFREU0R3FtMG8xdHdpeTNVZ0lUdlN6d3FVdXYyUTNSSERBcWM2QQ?oc=5) · MyHorryNews.com
- 2019-11-08 [CresCom Bank to close branch where two employees shot, killed in robbery - Live 5 News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVnRHWHEzakFUM2duZnNaOEQ2U0pmWG1kZzJGTW1ZdXBTMDM1Mi1tT0pKVTk4UGhidlFHQkpPTHRvczF6enE1NGprQjVXOHJfU0RBSzVTNjg2MFN4eDQwd3g3SXdDLWpGZ0ZxdTEwRC1oaU5iWlVLVkluQkxBaUVsX1NuMnluZVVCdzd1cDVwNmJDcEl3Q3JHRjNpbjBibkhKOFctY25n0gG6AUFVX3lxTE1GLTNPZzV2cFVhbDhFYXJtWFg1V1llZGl0TzFTQk5LcW5XNWFNdnUwQVEyQmxTeGF2d3BYNWhTZHJCbTk3MnU4YzdGTUFCZ3Q3WW9TbEtRZXo4QnB1SHlzWXY5LWozTy1SMzVPOWFKekdXQ2N4WDlZcktnaXhuNnlKQ3Y2RkRIQ3FiLVlZTlphc2ROcGNkZVViRDEwX21BWXoyUG1wNWtQMmxOV0VoTXVWLUxwbFh6TEJlQQ?oc=5) · Live 5 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57135 (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/47.json (key "57135", 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