Bank Of The Lowcountry (FDIC #27496): Bank Stress & Real-Estate Credit Exposure
Bank Of The Lowcountry (FDIC Cert #27496): bank stress 84/100, severe, STABLE over 7 days; parent COMMUNITYCORP.
Bank Of The Lowcountry (#27496) lends in 3 counties across 1 state; Bank Of The Lowcountry (#27496) reaches 53 ZIP codes: South Carolina 3 counties, 53 ZIPs.
Bank Of The Lowcountry (#27496) largest markets: Charleston County, SC (93 branches, 31 ZIPs) (#27496), Colleton County, SC (14 branches, 14 ZIPs) (#27496), Jasper County, SC (10 branches, 10 ZIPs) (#27496).
Bank Of The Lowcountry (#27496) reports $430.2 million in total assets; Bank Of The Lowcountry (#27496) equity $32.7 million (7.6% of Bank Of The Lowcountry (#27496) assets); Bank Of The Lowcountry (#27496) domestic deposits $365.0 million; Bank Of The Lowcountry (#27496) net income $1.6 million; Bank Of The Lowcountry (#27496) return on assets 0.75%; Bank Of The Lowcountry (#27496) return on equity 10.42%; Bank Of The Lowcountry (#27496) net interest income $8.0 million; Bank Of The Lowcountry (#27496) call report June 30, 2026.
Bank Of The Lowcountry (#27496) noncurrent real-estate loans: none reported; Bank Of The Lowcountry (#27496) net charge-offs on real estate 0.18%; Bank Of The Lowcountry (#27496) residential charge-offs 0.23%.
Bank Of The Lowcountry (#27496) net interest margin 3.96% against an eight-quarter Bank Of The Lowcountry (#27496) average of 3.67% (Bank Of The Lowcountry (#27496) compression -0.29 points); Bank Of The Lowcountry (#27496) non-residential real estate 23.4% of equity; Bank Of The Lowcountry (#27496) rate-exposure score 40/100, Bank Of The Lowcountry (#27496) fixed-rate trap 40/100; Bank Of The Lowcountry (#27496) risk type credit driven; Bank Of The Lowcountry (#27496) rate regime rates elevated, Bank Of The Lowcountry (#27496) snapshot October 19, 2026.
Bank Of The Lowcountry (#27496) stress score moved from 84.9 on June 22, 2026 to 84 on October 19, 2026; Bank Of The Lowcountry (#27496) ranged 84 to 84.9 over 116 snapshots.
Bank Of The Lowcountry (#27496) alerts: 3 counties; top Bank Of The Lowcountry (#27496) alert scores: Ravenel County, SC 28 (low); Ridgeland County, SC 28 (low); Walterboro County, SC 28 (low).