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

Conway National Bank

Conway, South Carolina · $2.00B in assets · beside the 11 other South Carolina banks between $1B and $3B

The filing

47.9%
Efficiency
1st of 12
51.9%
Loans / deposits
2nd of 12
+3.6%
Loans, year over year
11th of 12, largest first

Conway National Bank is the fourth largest of the 12 South Carolina banks between $1B and $3B, with $2.00B in assets at 30 June 2026. Loans are 51.9% of deposits, 2nd of 12 against a median of 80.5%, and equity is 9.8% of assets, 6th of 12. Loans grew +3.6% in the year, 11th of 12, and deposits grew 3.5%; the cohort's median loan growth is +7.4%.

Noncurrent loans are 0.02% of the book, 3rd of 12 against a median of 0.11%; 0.14% is 30 to 89 days past due, and the allowance covers them 48.4 times. Commercial real estate is 31.2% of loans, 3rd of 12 against a median of 35.8%, and 129% of capital, below the 300% screen, with construction at 60% against the 100% screen.

Return on assets is 1.43%, 3rd of 12 against a median of 1.20%, on an efficiency ratio of 47.9%, the lowest in the cohort. Five years ago it was 0.98%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

The efficiency ratioSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 59.2% CN Conway National Bank 47.9% FC First Capital Bank 53.3% FP First Palmetto Bank 54.8% CS Coastal States Bank 58.8% Bo Bank of Travelers Rest 59.0% SA South Atlantic Bank 59.2% AB Anderson Brothers Bank 59.2% CC Coastal Carolina National Bank 59.2% FC First Community Bank 63.7% CB Citizens Bank 64.1% FR First Reliance Bank 66.4% SF Security Federal Bank 70.4%
Loans, year over yearSC banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.4% FC First Community Bank +25.1% FC First Capital Bank +22.0% AB Anderson Brothers Bank +13.7% CC Coastal Carolina National Bank +12.1% CS Coastal States Bank +11.1% SA South Atlantic Bank +7.6% CB Citizens Bank +7.1% Bo Bank of Travelers Rest +5.0% FR First Reliance Bank +4.9% FP First Palmetto Bank +4.4% CN Conway National Bank +3.6% SF Security Federal Bank -1.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Conway National BankRankCohort median
Total CRE against capital, the 300% screen129%2nd of 12252%
Construction against capital, the 100% screen60%7th of 1258%
Construction and land development, share of loans14.5%10th of 129.7%
Non-owner-occupied nonfarm nonresidential, share of loans16.0%3rd of 1222.2%
Total CRE, the guidance definition, share of loans31.2%3rd of 1235.8%
CRE growth over 36 months, the third prong+27.0%7th of 12+24.6%
Commercial real estate against capital, the 300% screenSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 252% CB Citizens Bank 102% CN Conway National Bank 129% Bo Bank of Travelers Rest 139% SF Security Federal Bank 142% FR First Reliance Bank 206% CS Coastal States Bank 238% CC Coastal Carolina National Bank 266% FP First Palmetto Bank 266% AB Anderson Brothers Bank 268% FC First Community Bank 316% SA South Atlantic Bank 334% FC First Capital Bank 342%
CRE growth over 36 months, the guidance's third prongSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +24.6% CB Citizens Bank +3.8% SF Security Federal Bank +7.9% CS Coastal States Bank +11.8% FP First Palmetto Bank +18.3% CC Coastal Carolina National Bank +22.1% FR First Reliance Bank +22.2% CN Conway National Bank +27.0% Bo Bank of Travelers Rest +30.7% SA South Atlantic Bank +55.7% FC First Community Bank +63.2% FC First Capital Bank +73.6% AB Anderson Brothers Bank +77.1%

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
Coastal States Bank$2.42B1.2%58.8%0.95%0.01%1.0%93.9%10.8%
First Community Bank$2.38B1.2%63.7%0.05%0.00%1.2%78.3%9.9%
Anderson Brothers Bank$2.38B1.5%59.2%0.59%0.90%1.6%88.2%8.7%
Conway National Bank$2.00B1.4%47.9%0.02%0.05%1.1%51.9%9.8%
South Atlantic Bank$1.98B1.1%59.2%0.01%0.00%0.9%92.0%8.6%
Bank of Travelers Rest$1.60B1.6%59.0%0.12%0.10%1.3%64.8%9.2%
Security Federal Bank$1.54B0.9%70.4%0.85%0.06%2.0%50.8%9.8%
Coastal Carolina National Bank$1.35B1.0%59.2%0.00%0.00%1.1%80.8%9.1%
First Capital Bank$1.32B1.1%53.3%0.10%0.00%1.0%98.4%9.3%
Citizens Bank$1.14B1.2%64.1%0.18%0.05%1.3%63.3%10.7%
First Reliance Bank$1.13B1.2%66.4%0.07%0.00%1.1%91.0%10.1%
First Palmetto Bank$1.10B1.4%54.8%0.15%0.03%1.5%80.2%9.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Conway National BankCohort median
20212026Change20212026Change
Loans$581M$866M+49%$576M$955M+66%
Deposits$1.41B$1.67B+19%$1.03B$1.39B+36%
NPA / loans0.26%0.02%-0.24 pts0.29%0.11%-0.18 pts
Efficiency56.0%47.9%-8.1 pts65.6%59.2%-6.5 pts
ROA0.98%1.43%+0.44 pts1.05%1.20%+0.15 pts

This read was prepared for Conway National 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 Conway National 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 $1B to $3B
Institution www.conwaynationalbank.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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