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Bank Of The Lowcountry
Walterboro, SC · FDIC Certificate #27496 · Chartered 05/0
Total assets
$430.23M
Total deposits
$364.98M
Total equity
$32.66M
Net loans
$323.32M
Branches (offices)
5
Net income (YTD)
$1.58M
Rank: #1,964 of 4,213 U.S. banks by assets · #26 of 43 in South Carolina. Assets changed 16.6% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 10.42% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 7.59% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 88.6% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $273.98M | 84.7% | |
| Commercial & industrial | $39.47M | 12.2% | |
| Consumer / individual | $10.29M | 3.2% | |
| Construction & development | $36.47M | 11.3% | |
| Agricultural | $2.62M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $294.57M | $267.42M | $715.00K | $16.83M |
| Jun 2023 | $293.14M | $272.39M | $1.20M | $18.80M |
| Jun 2024 | $360.88M | $338.60M | $501.00K | $19.53M |
| Jun 2025 | $368.94M | $345.60M | $1.16M | $19.82M |
| Jun 2026 | $430.23M | $364.98M | $1.58M | $32.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $364.98M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $364.98M.
Similar-sized banks
SSB Bank ($430.42M) · Freedom Bank, Inc. ($429.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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