The Bank of South Carolina

Charleston, South CarolinaFDIC Cert #26912

STATEEstablished 19876 branches

Holding company: BANK OF SOUTH CAROLINA CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$41.1M
Investor CRE	$35.7M
Multifamily	$8.96M
Construction	$50.4M
1–4 family	$168M
C&I	$54.8M
Agriculture	$245K
Other	$2.83M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$362M

+0.7%y/y

Percentile by value54th percentileby value

FDICLNLSGR

Net loans

$358M

+0.6%y/y

Percentile by value54th percentileby value

FDICLNLSNET

Loans YoY

+0.56%

+905.8%y/y

Percentile by value22nd percentileby value

FDICLNLSNET

L/D

73.3%

+2.6%y/y

Percentile by value33rd percentileby value

FDICLNLSNET + DEP

Loans/assets

63.7%

+1.5%y/y

Percentile by value34th percentileby value

FDICLNLSNET + ASSET

RE loans %

103.31%

+5.2%y/y

Percentile by value97th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,180points

+12.9%y/y

Peer standing17th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.35%

−8.5%y/y

Percentile by value46th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

9.85%

−4.8%y/y

Percentile by value36th percentileby value

FDICLNRENROT + LNLSGR

C&I %

15.13%

−4.7%y/y

Percentile by value79th percentileby value

FDICLNCI + LNLSGR