South Atlantic Bank (FDIC #58689): Bank Stress & Real-Estate Credit Exposure
South Atlantic Bank (FDIC Cert #58689): bank stress 74/100, elevated, STABLE over 7 days; parent SOUTH ATLANTIC BANCSHARES INC.
South Atlantic Bank (#58689) lends in 5 counties across 1 state; South Atlantic Bank (#58689) reaches 80 ZIP codes: South Carolina 5 counties, 80 ZIPs.
South Atlantic Bank (#58689) largest markets: Charleston County, SC (62 branches, 31 ZIPs) (#58689), Berkeley County, SC (18 branches, 18 ZIPs) (#58689), Beaufort County, SC (48 branches, 16 ZIPs) (#58689), Horry County, SC (64 branches, 16 ZIPs) (#58689), Georgetown County, SC (10 branches, 5 ZIPs) (#58689).
South Atlantic Bank (#58689) reports $1.98 billion in total assets; South Atlantic Bank (#58689) equity $171.0 million (8.6% of South Atlantic Bank (#58689) assets); South Atlantic Bank (#58689) domestic deposits $1.68 billion; South Atlantic Bank (#58689) net income $10.4 million; South Atlantic Bank (#58689) return on assets 1.07%; South Atlantic Bank (#58689) return on equity 12.47%; South Atlantic Bank (#58689) net interest income $30.0 million; South Atlantic Bank (#58689) call report June 30, 2026.
South Atlantic Bank (#58689) noncurrent real-estate loans: none reported; South Atlantic Bank (#58689) net charge-offs on real estate 0.01%.
South Atlantic Bank (#58689) net interest margin 3.30% against an eight-quarter South Atlantic Bank (#58689) average of 3.10% (South Atlantic Bank (#58689) compression -0.21 points); South Atlantic Bank (#58689) rate-exposure score 40/100, South Atlantic Bank (#58689) fixed-rate trap 40/100; South Atlantic Bank (#58689) risk type credit driven; South Atlantic Bank (#58689) rate regime rates elevated, South Atlantic Bank (#58689) snapshot October 19, 2026.
South Atlantic Bank (#58689) stress score moved from 73 on June 22, 2026 to 74 on October 20, 2026; South Atlantic Bank (#58689) ranged 73 to 74 over 117 snapshots.
South Atlantic Bank (#58689) alerts: 5 counties; top South Atlantic Bank (#58689) alert scores: Hilton Head Island County, SC 25 (low); Mount Pleasant County, SC 25 (low); North Myrtle Beach County, SC 25 (low); Pawleys Island County, SC 25 (low); Summerville County, SC 25 (low).