CBL State Savings Bank (FDIC certificate #31900) is based in Greer, South Carolina. Its Q2 2026 call report shows $191.3M in total assets and $125.9M in deposits and 2 offices.
CBL State Savings Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 11th. Capital cushion contributes the most (100/100, 15.93%); earnings contributes the least (24/100, 0.10%).
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 (78 → 80), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.73% |
| Q3 2024 | 16.28% |
| Q4 2024 | 16.13% |
| Q1 2025 | 16.28% |
| Q2 2025 | 16.47% |
| Q3 2025 | 16.26% |
| Q4 2025 | 16.12% |
| Q1 2026 | 16.02% |
| Q2 2026 | 15.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | -0.07% |
| Q4 2024 | -0.13% |
| Q1 2025 | -0.10% |
| Q2 2025 | -0.11% |
| Q3 2025 | -0.09% |
| Q4 2025 | -0.15% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $191.3M | 15.93% | 0.01% | 0.10% | 92.6% |
| Q1 2026 | 79 | $188.4M | 16.02% | 0.05% | 0.16% | 95.2% |
| Q4 2025 | 77 | $188.0M | 16.12% | 0.05% | -0.15% | 94.4% |
| Q3 2025 | 78 | $187.3M | 16.26% | 0.05% | -0.09% | 93.6% |
| Q2 2025 | 78 | $184.8M | 16.47% | 0.05% | -0.11% | 93.8% |
| Q1 2025 | 78 | $183.9M | 16.28% | 0.06% | -0.10% | 93.1% |
| Q4 2024 | 75 | $188.4M | 16.13% | 0.31% | -0.13% | 93.1% |
| Q3 2024 | 75 | $188.3M | 16.28% | 0.34% | -0.07% | 95.2% |
| Q2 2024 | 78 | $187.6M | 16.73% | 0.10% | 0.00% | 94.4% |
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 |
|---|---|---|---|---|---|
| Blue Ridge BankBank Walhalla, SC | 69 out of 100, Moderate | $199.4M | 9.2% | 0.00% | vs |
| Bank of GreeleyvilleBank Greeleyville, SC | 75 out of 100, Strong | $160.1M | 10.6% | 0.38% | vs |
| Spratt Savings BankBank Chester, SC | 82 out of 100, Strong | $154.4M | 20.4% | 0.23% | vs |
| 1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC | 68 out of 100, Moderate | $151.6M | 9.7% | 0.00% | vs |
| Abbeville First Bank, SSBBank Abbeville, SC | 64 out of 100, Moderate | $138.8M | 10.4% | 0.81% | vs |
| Pickens Savings and Loan Association, FABank Pickens, SC | 75 out of 100, Strong | $138.3M | 10.9% | 0.00% | vs |
Deposit insurance
Is my money safe at CBL State Savings Bank?
Yes. CBL State Savings Bank is an FDIC-insured institution (FDIC certificate #31900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.5% of deposits ($19.5M) 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 15.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
CBL State Savings Bank lists 2 offices in 2 cities. Most locations:
- Greer, SC (1)
- Landrum, SC (1)
Identity & history
Profile
- Legal name
- CBL State Savings Bank
- Former names
- Citizens Building and Loan, SSB; Citizens Building and Loan Association
- Type
- SI
- FDIC certificate #
- 31900
- RSSD ID
- 851172
- Primary regulator
- FDIC
- Holding company
- Citizens Building&loan Mhc
- Established
- January 1, 1907
- Headquarters
- 229 Trade St, Greer, SC 29651
- Website
- www.mycbl.bank
- Employees
- 16
Quick answers
CBL State Savings Bank: common questions
Is CBL State Savings Bank FDIC insured?
Yes. CBL State Savings Bank is an FDIC-insured institution (FDIC certificate #31900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CBL State Savings Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CBL State Savings Bank ever failed?
There is no failure record for FDIC certificate #31900 in the FDIC failed bank list.
How many branches does CBL State Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Greer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| Bank of Travelers RestBank Travelers Rest, SC | 79 out of 100, Strong | $1.6B | 10.3% | 0.12% | vs |