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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

Arthur State Bank

Union, South Carolina · $832M in assets · beside the 11 other South Carolina banks between $300M and $1B

The filing

6.8%
Equity / assets
11th of 12
90.2%
Loans / deposits
10th of 12
70.1%
Efficiency
10th of 12

Arthur State Bank is the third largest of the 12 South Carolina banks nearest its size between $300M and $1B, with $832M in assets at 30 June 2026. Loans are 90.2% of deposits, 10th of 12 against a median of 72.4%, and equity is 6.8% of assets, 11th of 12. Loans grew +6.0% in the year, 7th of 12, and deposits grew 1.0%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.60% of the book, 9th of 12 against a median of 0.37%; 0.80% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 21.1% of loans, 4th of 12 against a median of 26.3%, and 175% of capital, below the 300% screen, with construction at 88% against the 100% screen. CRE has grown +55.5% over 36 months, past the guidance's 50% prong.

Return on assets is 1.13%, 8th of 12 against a median of 1.47%, on an efficiency ratio of 70.1%, 10th of 12. Five years ago it was 0.84%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsSC banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 11.0% FP First Piedmont Federal Savings & Loan Association Gaffney 28.9% PS Palmetto State Bank 13.9% CB Carolina Bank & Trust Co. 13.1% OB Optus Bank 12.8% OF Oconee Federal Savings & Loan Association 12.3% PB Peoples Bank 11.2% Bo Bank of Clarendon 10.9% Bo Bank of South Carolina 10.6% EB Enterprise Bank of South Carolina 9.1% BC Beacon Community Bank 8.0% AS Arthur State Bank 6.8% C Countybank 6.2%
Loans, year over yearSC banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +7.7% OB Optus Bank +17.3% PS Palmetto State Bank +12.0% EB Enterprise Bank of South Carolina +11.2% Bo Bank of Clarendon +10.5% PB Peoples Bank +9.9% BC Beacon Community Bank +9.3% AS Arthur State Bank +6.0% FP First Piedmont Federal Savings & Loan Association Gaffney +4.4% OF Oconee Federal Savings & Loan Association +3.6% CB Carolina Bank & Trust Co. +3.4% Bo Bank of South Carolina +1.9% C Countybank -1.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Arthur State BankRankCohort median
Total CRE against capital, the 300% screen175%10th of 12129%
Construction against capital, the 100% screen88%12th of 1245%
Construction and land development, share of loans10.6%8th of 129.5%
Non-owner-occupied nonfarm nonresidential, share of loans9.4%4th of 1211.9%
Total CRE, the guidance definition, share of loans21.1%4th of 1226.3%
CRE growth over 36 months, the third prong+55.5%10th of 12+32.9%
Commercial real estate against capital, the 300% screenSC banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 129% FP First Piedmont Federal Savings & Loan Association Gaffney 59% OF Oconee Federal Savings & Loan Association 66% PS Palmetto State Bank 74% C Countybank 98% OB Optus Bank 119% EB Enterprise Bank of South Carolina 126% Bo Bank of Clarendon 133% CB Carolina Bank & Trust Co. 139% Bo Bank of South Carolina 149% AS Arthur State Bank 175% PB Peoples Bank 178% BC Beacon Community Bank 252%
CRE growth over 36 months, the guidance's third prongSC banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +32.9% FP First Piedmont Federal Savings & Loan Association Gaffney -19.7% OF Oconee Federal Savings & Loan Association -4.7% Bo Bank of South Carolina -0.6% CB Carolina Bank & Trust Co. +1.4% EB Enterprise Bank of South Carolina +17.6% Bo Bank of Clarendon +31.2% PS Palmetto State Bank +34.7% C Countybank +37.2% BC Beacon Community Bank +44.8% AS Arthur State Bank +55.5% PB Peoples Bank +82.3% OB Optus Bank +584.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Beacon Community Bank$982M0.5%71.9%0.02%0.06%1.0%109.5%8.0%
Carolina Bank & Trust Co.$845M1.9%43.2%0.41%0.19%1.3%83.4%13.1%
Arthur State Bank$832M1.1%70.1%0.60%0.01%1.0%90.2%6.8%
Optus Bank$764M1.0%55.8%0.94%0.03%0.5%70.5%12.8%
Countybank$733M1.4%76.1%0.44%-0.02%0.8%66.0%6.2%
Oconee Federal Savings & Loan Association$679M0.7%61.2%0.33%0.00%0.7%87.4%12.3%
Palmetto State Bank$597M1.0%66.0%0.12%-0.03%1.7%47.3%13.9%
First Piedmont Federal Savings & Loan Association Gaffney$597M1.8%53.7%0.73%0.00%1.2%124.0%28.9%
Bank of South Carolina$571M1.6%56.2%0.29%0.00%1.2%74.3%10.6%
Enterprise Bank of South Carolina$535M5.9%36.7%3.64%0.11%0.7%62.2%9.1%
Peoples Bank$447M1.6%62.6%0.00%0.00%1.2%70.5%11.2%
Bank of Clarendon$438M1.5%53.0%0.01%0.01%1.0%57.9%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Arthur State BankCohort median
20212026Change20212026Change
Loans$418M$619M+48%$286M$434M+51%
Deposits$624M$686M+10%$424M$534M+26%
NPA / loans0.20%0.60%+0.40 pts0.27%0.37%+0.10 pts
Efficiency73.3%70.1%-3.2 pts67.1%58.7%-8.5 pts
ROA0.84%1.13%+0.29 pts0.99%1.47%+0.48 pts

This read was prepared for Arthur State Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Arthur State Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $300M to $1B
Institution www.arthurstatebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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