Headquartered in Walterboro, South Carolina, Bank of the Lowcountry is a state-chartered bank (fed member) with $430.2M in total assets and $365.0M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1989.
Based on its Q2 2026 filing, Bank of the Lowcountry scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 35th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is capital cushion (43/100; 9.25%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 66 |
| Q4 2025 | 64 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.04% |
| Q3 2024 | 8.04% |
| Q4 2024 | 8.22% |
| Q1 2025 | 8.26% |
| Q2 2025 | 8.56% |
| Q3 2025 | 9.69% |
| Q4 2025 | 9.20% |
| Q1 2026 | 9.10% |
| Q2 2026 | 9.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $430.2M | 9.25% | 0.15% | 0.75% | 88.6% |
| Q1 2026 | 64 | $423.9M | 9.10% | 0.28% | 0.77% | 81.8% |
| Q4 2025 | 64 | $410.8M | 9.20% | 0.29% | 0.71% | 85.4% |
| Q3 2025 | 66 | $406.8M | 9.69% | 0.20% | 0.68% | 83.6% |
| Q2 2025 | 63 | $368.9M | 8.56% | 0.23% | 0.64% | 82.1% |
| Q1 2025 | 61 | $369.8M | 8.26% | 0.23% | 0.49% | 79.0% |
| Q4 2024 | 60 | $348.7M | 8.22% | 0.12% | 0.39% | 82.7% |
| Q3 2024 | 59 | $381.4M | 8.04% | 0.10% | 0.37% | 71.2% |
| Q2 2024 | 59 | $360.9M | 8.04% | 0.12% | 0.28% | 71.2% |
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).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of ClarendonBank Manning, SC | 84 out of 100, Strong | $438.3M | 11.7% | 0.01% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC | 88 out of 100, Very strong | $413.6M | 16.6% | 0.74% | vs |
| Southern BankBank Spartanburg, SC | 59 out of 100, Moderate | $407.9M | 8.2% | 0.28% | vs |
| Enterprise Bank of South CarolinaBank Ehrhardt, SC | 52 out of 100, Below average | $535.1M | 9.3% | 3.64% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
Deposit insurance
Is my money safe at Bank of the Lowcountry?
Yes. Bank of the Lowcountry is an FDIC-insured institution (FDIC certificate #27496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.5% of deposits ($104.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.66% (benchmark: 10%).
6 locations
Branches
Bank of the Lowcountry lists 6 offices in 6 cities. Most locations:
- Beaufort, SC (1)
- Charleston, SC (1)
- Mount Pleasant, SC (1)
- Ravenel, SC (1)
- Ridgeland, SC (1)
- Walterboro, SC (1)
HMDA 2025
Mortgage lending
In 2025, Bank of the Lowcountry reported 122 home-loan applications under HMDA (LEI 254900QQRCPCOBBNDA41): 114 originated ($38,640,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.6%, 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
- Bank of the Lowcountry
- Former names
- Bank of Walterboro
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 27496
- RSSD ID
- 1404481
- Primary regulator
- FED
- Holding company
- Communitycorp
- Established
- May 1, 1989
- Headquarters
- 1100 N Jefferies Blvd, Walterboro, SC 29488
- Website
- www.banklowcountry.com
- Employees
- 61
Quick answers
Bank of the Lowcountry: common questions
Is Bank of the Lowcountry FDIC insured?
Yes. Bank of the Lowcountry is an FDIC-insured institution (FDIC certificate #27496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of the Lowcountry's TellerScore?
65 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 Bank of the Lowcountry ever failed?
There is no failure record for FDIC certificate #27496 in the FDIC failed bank list.
How many branches does Bank of the Lowcountry have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Walterboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of South CarolinaBank Holly Hill, SC | 82 out of 100, Strong | $309.7M | 12.4% | 0.43% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| The Citizens BankBank Olanta, SC | 74 out of 100, Strong | $1.1B | 9.9% | 0.18% | vs |
| Rev Federal Credit UnionCredit union Charleston, SC | 72 out of 100, Strong | $1.2B | 13.8% | 0.57% | vs |
| 1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC | 68 out of 100, Moderate | $151.6M | 9.7% | 0.00% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |