# COUNTYBANK
GREENWOOD, SC · FDIC certificate 9155 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $733.0M | |
| Deposits | $623.1M | |
| Loans and leases | $411.1M | |
| Total equity | $45.8M | |
| Loans / deposits | 65.43% (p19 of band) | 82.04% |
| Liquid assets / assets | 39.42% (p82 of band) | |
| Uninsured deposits / deposits | 28.19% (p60 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.71% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -43.76% (p6 of band) | -8.10% |
| AOCI / equity | -3.22% (p3 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 3.85% (p46 of band) | 3.91% |
| Efficiency ratio | 75.90% (p84 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 190.52% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 47.19% (p54 of band) | |
| Auto loans | $1.2M (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 169 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | losing money | construction >100% equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | charge-offs p90 | losing money |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 3 | capital falling, construction >100% equity | reserve under noncurrent |
| 2012-12 | 2 |  | construction >100% equity |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2014-09 | 2 | wholesale funding >15%, capital falling | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, expense ratio p90 |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | expense ratio p90 |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | expense ratio p90 | capital falling |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |  |
| 2022-06 | 5 | capital falling, construction >100% equity |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | capital falling, construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 4 | capital falling, uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-29 [Countybank Recognized by Small Business Administration as SC's Top Loan Producer - Greenville Business Magazine](https://news.google.com/rss/articles/CBMiywFBVV95cUxQZjl1WUpaakRmRXozTFdaemdNenJLZ2w3T2NPWjZmNml5U0ladWdodUFaazl0MjhrYi1VVThhRnVFOW1OM2pRa0hvUXF4M0FkZ1JKUnRnUUhqX1AtRWMxYUZKOXJsTkl1MUFldGg1QlNqVV9jOGFCMDVFUTlxRFVTOWF3SDB1LTZpWnNwTXAxek5LcFM0THZvWDFOM3NHVDkyT3B1WWFDd0k5TkVnMDNQR0RnVGQyNXNPV1lYeDVLSzhyREVyRUZtdDlJbw?oc=5) · Greenville Business Magazine
- 2026-02-01 [Business promotions, new hires, expansions, investments - In The Know 2-1 - Greenville Online](https://news.google.com/rss/articles/CBMi2gFBVV95cUxObXJlLTRpdnByNW5KdlBCUHd0UllVYUFnR3VVaHk2Z0EtOEo2STFxMXJacHBqMVIyWWh4akJRd1FtNURuLXk1eE1EUkhLVTdhMTZGU09aaEZUcWU3VnBsdFFoaE5xamNBQUYtckZINmpsWUo3Y2I0dHhIcU5OR3Z0Y2x4SjM4ZkpWck16MER5allEdjk2Zklxdy02Rmp4Skc5NUJMVlBVLXZaekRfLWZjVExJdjl6VkVmbUFCaC1lT1doMWdURHhwSnp5cDRLR1BLam8wVXk1eHFSQQ?oc=5) · Greenville Online
- 2025-07-23 [Dunlap V named president of Countybank - Index-Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxNd0htMlQtdWZJUEUydFFBVFhFTjZTa3kzN2JYZnFxd3FGQkV3bnVadTlKR0xMQ3ZCTUJXR0h6b1BDbjdadHFvTG9UeG8tM3Y4TnFoN0t4NHlKS0RsR1RJTlJXV1BzOXlBaTE1NDFHY0xmXzRCOWRlY0c2ck9sTkZEM3ZNYjlpSW1uTUw4SW9qVG45bS1nRm54YXU3SU9SUndOTTBRZGNMQ2I0Q1daSHFpSHdMeWUzTzdoR1FwMFNralZjTzRVYnc?oc=5) · Index-Journal
- 2023-09-15 [Countybank marks 90th anniversary, holds tight to family values - upstate business journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQN2JaZnp1LU92WWNlNGdDTENCcXhnTTkxMHA3V2lTQ0FSQmdoc09nUHlBVVdpX3F3UC03SVB3dElyNWNybFNZUThrYk54WDFuUzZnNmJzS1gxSGJqNGp3b1JWMGVCOHQwTFMwWlZ3OThiZF82U1pndzhQbjRCUUxGY0dZSVMxZDhNNE9GWml3Rmc5ZGRWWC1jSlNXWWNVa3k4R2RsdzhJNkVqbGs?oc=5) · upstate business journal
- 2025-12-22 [Countybank and Greenwood Capital Pledge More Than $73K to United Way - SCBiz](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdUpxZTZpUW92RHdHSzN2WFdVWDdXZ2djR2RxSjRKWnlTeVd5QkNMWUZQWEZxYkFhSG9uNlkzTmtSaFlqUy05b0ZHeklkMG9yMFRkWVFTa25UNmM1TklLWmR4RmdmWExLeUJ1MVdRRUUxYThFdlpHLVFUT3I4ZnhZOHlQdWU5RXBMamt0VVNnYw?oc=5) · SCBiz
- 2026-02-08 [Promotions, BMW Charity Pro-Am, new restaurant, Drive hiring - In The Know 2-8 - Greenville Online](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOS0hYeGU5S0ljTDBFdzZzS29jZW81LWNyeExWS0hXdzBhOUlqREhqY09XbDQxZ25OTkktQkt6Q0pHTmItSG5ncF96MHRzLXBjV0pKbEkycEVOcWk4NGtZaUEzVFJveUprWF9CY1ZvOTFQTHJHT2c2RkFadUZfRmVJNVlSMDc5Q2ZiYW42T0V4aWlTUzVNa29lQ0VETDRFd3FRYU5jY3JpQ0Joby1YU2VQNGdMSUlWNXFfa0t1eWVwVXVDZDdBc0o0VHZIYlZ3Rk43UEFvU21yR3cwd2puZ00waw?oc=5) · Greenville Online
- 2026-02-23 [Lazarius Tinsley Joins Countybank's Small Business Lending Team - Greenville Business Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxQaW9YMEJQekVNRW9lZGdVdjRlNHFNdnJTNmJSTXFMbllRdnJfM2xWWkpnLW1rSzVVZHV0Z0tURnk3S2dXNS1fbktCbmUwR2doS1NuOHFsWDU2cDNsZTNNUUF1UV9TV0hyRnhWM2pOV0dMVHlVaDNlakwxa0s1T1JzV0JkRHZPcFd0eFNjbG1GMGxiMlFEZWZUcG5Ja3h1Tk0zZVFPSUI5NEplTl9xckxjS0lRNjA?oc=5) · Greenville Business Magazine
- 2024-08-07 [Countybank announces retirement of Jimmy Fowler - Index-Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOakg5V1VqOTdsLV9HSzdhN0J4NVFhVE5jZHRzWEdBTEk4VkJ4OHM4Q0xsNkNEdm0xdEdmMlNfcHdQbWtLbVAzY1lSLVJqVEtDbl9VbW1YRjBFSnZvYlRjWFRRdW9EZmxYbFRqT2RLYXNzblU2bkFWZ3dPQ09VX0tfYy1DLXp0bkNEMVRkTUFUN0RWNUFqMXVGYWtueUIwVXZ0VFJLRk5CWlZsMFNDUHJHU1JKaWNGUVpzaGphcTExRG9SOUI0bFV0YjN1dWxwc0RLeFE?oc=5) · Index-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9155 (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 "9155", 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