Institution Profile
Website:
FDIC Profile:
Established:
1/3/1912
Branches:
8
Branches by Region
SC 8
Financial Overview
Total Assets
$495.36M
Total Deposits
$435.28M
Total Loans
$124.44M
Equity Capital
$59.07M
Employees
70
Allowance for Loan Losses
$1.29M
Performance Ratios
Net Worth Ratio
11.92%
Loan-to-Deposit Ratio
28.59%
Coverage Ratio
1.04% Allowance / Total Loans
Net Income
$6.65M
Return on Assets (ROA)
1.48%
Return on Equity (ROE)
12.34%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +44.96% Total Deposits: +49.65% Total Loans: +41.68% since 2020 Q1
Employee Growth
Employee Growth
Employees: -5.41% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Commercial Real Estate
$42.86M 34.5%
Construction
$39.90M 32.1%
1-4 Family Residential
$25.97M 20.9%
Commercial & Industrial
$5.50M 4.4%
Other Consumer
$4.42M 3.6%
Farmland
$3.41M 2.7%
Auto Loans
$1.87M 1.5%
Multifamily
$175,000 0.1%
Agricultural
$121,000 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +708.64% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $495.36M | $435.28M | $124.44M | $6.65M | 70 |
| 2025 Q3 | $390.23M | $330.91M | $127.36M | $5.12M | 70 |
| 2025 Q2 | $410.48M | $355.48M | $124.37M | $3.77M | 70 |
| 2025 Q1 | $416.47M | $363.62M | $122.54M | $2.08M | 68 |
| 2024 Q4 | $540.61M | $492.64M | $121.17M | $6.51M | 71 |
| 2024 Q3 | $389.17M | $337.43M | $115.96M | $5.02M | 71 |
| 2024 Q2 | $392.11M | $347.03M | $107.46M | $3.51M | 72 |
| 2024 Q1 | $376.93M | $333.77M | $109.09M | $2.16M | 69 |
| 2023 Q4 | $468.05M | $425.76M | $102.90M | $7.63M | 71 |
| 2023 Q3 | $386.22M | $350.15M | $99.90M | $6.27M | 70 |
| 2023 Q2 | $393.93M | $356.97M | $94.50M | $4.54M | 69 |
| 2023 Q1 | $494.78M | $457.84M | $90.18M | $2.46M | 70 |
| 2022 Q4 | $506.83M | $473.81M | $88.59M | $4.05M | 68 |
| 2022 Q3 | $408.17M | $377.42M | $90.02M | $1.32M | 71 |
| 2022 Q2 | $397.62M | $363.31M | $88.64M | $468,000 | 69 |
| 2022 Q1 | $458.02M | $417.14M | $88.19M | $88,000 | 70 |
| 2021 Q4 | $493.82M | $446.38M | $90.07M | $1.65M | 68 |
| 2021 Q3 | $383.54M | $334.65M | $88.72M | $991,000 | 68 |
| 2021 Q2 | $371.84M | $324.02M | $91.93M | $398,000 | 68 |
| 2021 Q1 | $413.28M | $365.70M | $98.22M | $240,000 | 70 |
| 2020 Q4 | $416.98M | $367.41M | $99.16M | $1.15M | 70 |
| 2020 Q3 | $334.51M | $283.70M | $100.34M | $1.10M | 71 |
| 2020 Q2 | $338.14M | $287.46M | $96.39M | $863,000 | 73 |
| 2020 Q1 | $341.71M | $290.87M | $87.83M | $822,000 | 74 |