Countybank: how it compares with its peers
Against 19 SC banks with half to twice its assets, Countybank's strongest measure in Q2 2026 is return on assets (1.45% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $7.1M).
| Measure | Countybank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.21% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 3.85% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.90% | 59.17% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $7.1M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.43% | 78.93% | Context |
What it means for lending operations
Its efficiency ratio of 75.90% is above the 59.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- OPTUS Bank Columbia, SC · $764M
- Oconee Federal Savings and Loan Association Seneca, SC · $679M
- Arthur State Bank Union, SC · $832M
- Carolina Bank & Trust Co. Lamar, SC · $845M
- Palmetto State Bank Hampton, SC · $597M
- First Piedmont Federal Savings and Loan Association of Gaffney Gaffney, SC · $597M
Questions about Countybank
How big is Countybank?
Countybank, established in 1933, is headquartered in Greenwood, SC. It reported $733M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Countybank's return on assets?
1.45% annualized in Q2 2026, against a 1.21% median for 19 SC banks with half to twice its assets, ahead of 63% of them.
What is Countybank's efficiency ratio?
75.90% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is Countybank growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits shrank 0.8%.
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.