Dedicated Community Bank: how it compares with its peers
Against 8 SC banks with half to twice its assets, Dedicated Community Bank's strongest measure in Q2 2026 is return on assets (0.89% vs. a 0.57% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.1M).
| Measure | Dedicated Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 0.57% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.54% | 3.46% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.47% | 82.38% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.1M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.46% | 77.40% | Context |
What it means for lending operations
Its efficiency ratio of 75.47% is better than the 82.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Woodruff Federal Savings and Loan Association Woodruff, SC · $104M
- Pickens Savings and Loan Association, FA Pickens, SC · $138M
- Abbeville First Bank, SSB Abbeville, SC · $139M
- 1st Federal Savings Bank of SC, Inc. Walterboro, SC · $152M
- Spratt Savings Bank Chester, SC · $154M
- Bank of Greeleyville Greeleyville, SC · $160M
Questions about Dedicated Community Bank
How big is Dedicated Community Bank?
Dedicated Community Bank, established in 1986, is headquartered in Darlington, SC. It reported $101M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Dedicated Community Bank's return on assets?
0.89% annualized in Q2 2026, against a 0.57% median for 8 SC banks with half to twice its assets, ahead of 88% of them.
What is Dedicated Community Bank's efficiency ratio?
75.47% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 82.38%, and lower is better.
Is Dedicated Community Bank growing its loans?
Net loans shrank 0.1% over the year to Q2 2026, while deposits shrank 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.