# CONGAREE STATE BANK
WEST COLUMBIA, SC · FDIC certificate 58301 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $104.9M | |
| Deposits | $88.9M | |
| Loans and leases | $78.5M | |
| Total equity | $13.4M | |
| Loans / deposits | 87.03% (p75 of band) | 72.92% |
| Liquid assets / assets | 19.23% (p20 of band) | |
| Uninsured deposits / deposits | 16.22% (p60 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.38% (p54 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 11.29% (p60 of band) | 10.70% |
| Unrealized securities loss / equity | 1.11% (p49 of band) | 1.19% |
| AOCI / equity | 1.47% (p80 of band) | |
| ROA (annualized) | 0.03% (p8 of band) | 0.83% |
| Net interest margin | 4.35% (p85 of band) | 3.64% |
| Efficiency ratio | 103.20% (p95 of band) | |
| Noncurrent loans | 0.44% (p41 of band) | 0.70% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 319.25% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 72.56% (p90 of band) | |
| Auto loans | $552,000 (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 | reserve under noncurrent, uninsured deposits leaving | deposits shrinking |
| 2012-12 | 4 | deposits shrinking, assets shrinking |  |
| 2013-03 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 | deposits shrinking | reserve under noncurrent, assets shrinking |
| 2013-12 | 0 |  | deposits shrinking |
| 2014-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2014-09 | 2 | reserve under noncurrent | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | expense ratio p90, assets shrinking |  |

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

- 2026-03-04 [James Edward Poston, Jr. Obituary Mar 4, 2026 - McAlister-Smith Funeral & Cremation](https://news.google.com/rss/articles/CBMiakFVX3lxTE1uTXJXXzByd3gtVjNzUW1XdmFId3M5ay0ySXBQb29sbjlKLU9XZTYxY1FCckVtUlNhbkgxM3lBdjMwZy1lb0hJSXBVVXFQRzhJZ2pYYUlQbHNBZEFXYjJ0ZU1DSEIxX3lrblE?oc=5) · McAlister-Smith Funeral &amp; Cremation
- 2018-08-30 [Columbia businessman guilty in $1.2 million money laundering scheme involving 7 banks - The State](https://news.google.com/rss/articles/CBMicEFVX3lxTE5ReGhQVkRHMTZYcktINFJWUGh6Sy1fOFFHRUQ2LUVnU3BFTWxIWmIwc1hjbDRaQjhwS0tmSmVybzVhQW4zUGFJdDhJdHdZbVVSdDUwYmFWQmpmTHdnQUZaSTBwalZiVkk2QXNRU2phRVXSAXBBVV95cUxQVlhDN1AwdFdwQ3dXaXNtdVlqNVpXb1VoT21tdUFqZEZVdTNuYXZ4d1hsOVVwbi1mSmJ6d2J4WDB3eUVoX2Vfa0V1YVpqZll6OVEtNlgxdGpWMTZ6T0xndlBnU1JOamtFOExnUmo0SHNz?oc=5) · The State
- 2014-12-24 [Obituary for David Murray, Jr. - Barr-Price Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5HaUZRMG5VUm1oMjFjbElxSHY2VDZ0WE9jZVdrTEFEeC1feW5uSkhwdVVlbUtSMUNkNlU4Wm1SelVpTGlSQnZsYUJtSzkta2dfOHJpQkJRN1FMQUpHTU44?oc=5) · Barr-Price Funeral Home
- 2015-05-18 [Samuel Corley Obituary - Lexington, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPTDZ2UVVpVEd1VWRwZWdiOXNYOW9LbkxESmI4RXZXcGVKSVZ2UzBZMS15WTJSelNOY1VyTWJldWRQVm0zYk1OeENjbC02dG9qWURienJhMnFtTzVqZi1yVDZkOVZfTHpyT3EwQXMxVEFWLUhqdkRCUnlWY1RjSzEzSjNZbw?oc=5) · Dignity Memorial
- 2018-12-12 [Columbia businessman got investors to put $1 million-plus into phony luxury car deal - The State](https://news.google.com/rss/articles/CBMicEFVX3lxTE5OZTNva3RGMkk5VXNva1BGQktFSFVqUXBPamh6T1VQdlZfV1BDcUh1b2YyMUVUMUthMTJKbnBwNkoyNUhZVDdyWFV3SkQtZmJXT1F1dlpVVnJpMkdHbXIycnIyVmstM3RiLWVlMGFEZzfSAXBBVV95cUxQZUFyck5NQ29uM0JKQzg2UHlBWXotYjBoVUU2dWU2NDB3MHJIbktDaGtWV3FiMmdSOUFJOF82WjNuS1pJWDZLWlVzUVNJYm1IWWhBNk5HZW1UeUh5aDRrTHRXbzN0V1ZFNlVjOHhkaGwy?oc=5) · The State
- 2011-07-09 [Darin Myers Obituary - Lexington, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZ1ZNa0trcEF2Z2dJcDRfcGxZVG9icFRneDBnSFRSbHN5NmwwMVU5ME5TRGJ0akxqRXNfN0MydnZhLUtlV2VpTExLMzZiWlkwS0hUZklUS2VzcWUtXy1IaURuN2FNQVNLT0lkeFpiUng0Q09iTWxaN1YyMWF0TnA0Xw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58301 (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/61.json (key "58301", 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