TellerScore

Arthur State Bank is a state-chartered bank headquartered in Union, South Carolina, in business for about 93 years. At the end of Q2 2026 it reported $831.9M in total assets and $686.1M in deposits, with 19 offices.

Arthur State Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 39th. Problem-loan coverage contributes the most (88/100, 6.0%); capital cushion contributes the least (33/100, 8.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.30%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 89.3% · 19.0% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).

TellerScore
596163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202459
Q4 202461
Q1 202561
Q2 202562
Q3 202563
Q4 202562
Q1 202662
Q2 202662
Tier 1 leverage ratio
5.00%6.65%8.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.06%
Q3 20248.13%
Q4 20248.16%
Q1 20258.19%
Q2 20258.16%
Q3 20258.19%
Q4 20258.11%
Q1 20268.27%
Q2 20268.30%
Noncurrent loans
0.54%0.60%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.64%
Q4 20240.64%
Q1 20250.66%
Q2 20250.59%
Q3 20250.55%
Q4 20250.58%
Q1 20260.61%
Q2 20260.60%
Return on assets
0.72%0.94%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.79%
Q4 20240.90%
Q1 20251.08%
Q2 20251.12%
Q3 20251.15%
Q4 20251.17%
Q1 20261.07%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$831.9M8.30%0.60%1.12%89.3%
Q1 202662$825.8M8.27%0.61%1.07%86.6%
Q4 202562$814.4M8.11%0.58%1.17%88.7%
Q3 202563$825.9M8.19%0.55%1.15%86.6%
Q2 202562$807.2M8.16%0.59%1.12%85.0%
Q1 202561$788.7M8.19%0.66%1.08%82.5%
Q4 202461$773.8M8.16%0.64%0.90%79.6%
Q3 202459$751.1M8.13%0.64%0.79%78.0%
Q2 202460$752.5M8.06%0.54%0.72%78.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.30%
4th
Total risk-based capital13.35%
59th
Problem loans0.60%
41st
Net charge-offs0.01%
45th
Return on assets1.12%
42nd
Net interest margin4.52%
80th
Efficiency ratio70.1%
30th
Loans to deposits89.3%
28th
Uninsured deposits19.0%
68th
Loan-loss reserves1.04%
31st
Texas ratio6.0%
30th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
OPTUS BankBank Columbia, SC75 out of 100, Strong$764.2M13.0%0.94%vs
CountybankBank Greenwood, SC69 out of 100, Moderate$733.0M8.7%0.44%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs

Deposit insurance

Is my money safe at Arthur State Bank?

Yes. Arthur State Bank is an FDIC-insured institution (FDIC certificate #15085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($130.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Arthur State Bank lists 17 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Arthur State Bank reported 385 home-loan applications under HMDA (LEI 549300DK682S26NIMG70): 291 originated ($107,615,000 total), 34 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Arthur State Bank
Type
State-chartered bank
FDIC certificate #
15085
RSSD ID
591320
Primary regulator
FDIC
Holding company
Jco Ventures Llc
Established
April 1, 1933
Headquarters
100 E Main St, Union, SC 29379
Employees
150

Quick answers

Arthur State Bank: common questions

Is Arthur State Bank FDIC insured?

Yes. Arthur State Bank is an FDIC-insured institution (FDIC certificate #15085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Arthur State Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Arthur State Bank ever failed?

There is no failure record for FDIC certificate #15085 in the FDIC failed bank list.

How many branches does Arthur State Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Union

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
Founders Federal Credit UnionCredit union Lancaster, SC79 out of 100, Strong$5.2B13.6%0.68%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs