| Metric | Bank of Greeleyville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +11.4% | +4.0% | +7.4 pts |
| Loan growth (YoY) | +9.2% | +5.6% | +3.6 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.1M | $144.1M | $109.2M | $15.6M | $1.1M | 1.43% | 4.67% | 0.26% |
| Q1 2026 | $157.7M | $137.7M | $102.6M | $15.5M | $537K | 1.39% | 4.59% | 0.33% |
| Q4 2025 | $152.2M | $132.6M | $104.2M | $15.2M | $1.6M | 1.10% | 4.67% | 0.18% |
| Q3 2025 | $148.1M | $128.8M | $100.5M | $14.9M | $1.2M | 1.14% | 4.63% | 0.29% |
| Q2 2025 | $148.0M | $129.4M | $99.9M | $14.1M | $745K | 1.03% | 4.52% | 0.36% |
| Q1 2025 | $145.4M | $127.1M | $94.7M | $13.9M | $235K | 0.66% | 4.41% | 0.22% |
| Q4 2024 | $139.1M | $121.3M | $95.6M | $13.5M | $1.8M | 1.31% | 4.53% | 0.20% |
| Q3 2024 | $140.9M | $122.7M | $94.5M | $13.7M | $1.3M | 1.23% | 4.50% | 0.33% |
Loan mix (Q2 2026): real estate $65.4M · commercial $26.1M · consumer $10.9M · securities $28.7M
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 61st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Greeleyville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+1 vs 2025) · $144.1M branch deposits. Biggest market: Williamsburg, SC, ranked 1st with 30.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williamsburg, SC | 2 | $141.1M | 30.45% | 1st |
| Georgetown, SC | 1 | $3.0M | 0.13% | 15th |
South Carolina: 81st with 0.09% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).