Arthur State Bank (FDIC #15085): Bank Stress & Real-Estate Credit Exposure

Arthur State Bank (FDIC Cert #15085): bank stress 79/100, severe, STABLE over 7 days; parent JCO VENTURES LLC.

Arthur State Bank (#15085) lends in 7 counties across 1 state; Arthur State Bank (#15085) reaches 125 ZIP codes: South Carolina 7 counties, 125 ZIPs.

Arthur State Bank (#15085) largest markets: Spartanburg County, SC (238 branches, 34 ZIPs) (#15085), Greenville County, SC (81 branches, 27 ZIPs) (#15085), Richland County, SC (75 branches, 25 ZIPs) (#15085), Lexington County, SC (18 branches, 18 ZIPs) (#15085), Laurens County, SC (16 branches, 16 ZIPs) (#15085), York County, SC (15 branches, 15 ZIPs) (#15085).

Arthur State Bank (#15085) reports $831.9 million in total assets; Arthur State Bank (#15085) equity $56.6 million (6.8% of Arthur State Bank (#15085) assets); Arthur State Bank (#15085) domestic deposits $686.1 million; Arthur State Bank (#15085) net income $4.6 million; Arthur State Bank (#15085) return on assets 1.12%; Arthur State Bank (#15085) return on equity 16.79%; Arthur State Bank (#15085) net interest income $17.4 million; Arthur State Bank (#15085) call report June 30, 2026.

Arthur State Bank (#15085) noncurrent real-estate loans: none reported; Arthur State Bank (#15085) net charge-offs on real estate 0.64%; Arthur State Bank (#15085) residential charge-offs 0.06%.

Arthur State Bank (#15085) net interest margin 4.52% against an eight-quarter Arthur State Bank (#15085) average of 4.28% (Arthur State Bank (#15085) compression -0.24 points); Arthur State Bank (#15085) real-estate loans 0.2% of equity; Arthur State Bank (#15085) non-residential real estate 5.8% of equity; Arthur State Bank (#15085) rate-exposure score 40/100, Arthur State Bank (#15085) fixed-rate trap 40/100; Arthur State Bank (#15085) risk type credit driven; Arthur State Bank (#15085) rate regime rates elevated, Arthur State Bank (#15085) snapshot October 19, 2026.

Arthur State Bank (#15085) stress score moved from 79.1 on June 22, 2026 to 78.8 on October 19, 2026; Arthur State Bank (#15085) ranged 78.8 to 79.1 over 116 snapshots.

Arthur State Bank (#15085) alerts: 7 counties; top Arthur State Bank (#15085) alert scores: Union County, SC 50 (elevated); Lexington County, SC 46 (moderate); Greenville County, SC 44 (moderate); Clinton County, SC 27 (low); Columbia County, SC 27 (low).