TellerScore

Countybank is a state-chartered bank headquartered in Greenwood, South Carolina, in business for about 93 years. At the end of Q2 2026 it reported $733.0M in total assets and $623.1M in deposits, with 13 offices.

Based on its Q2 2026 filing, Countybank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 30th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is capital cushion (37/100; 8.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.72%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 65.4% · 28.2% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.13%

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 7 points (62 → 69), mostly because the loan quality component improved by 12 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202461
Q1 202561
Q2 202562
Q3 202563
Q4 202565
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%6.86%8.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.71%
Q3 20248.59%
Q4 20248.56%
Q1 20258.55%
Q2 20258.54%
Q3 20258.51%
Q4 20258.52%
Q1 20268.65%
Q2 20268.72%
Noncurrent loans
0.26%0.53%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.29%
Q4 20240.74%
Q1 20250.81%
Q2 20250.80%
Q3 20250.80%
Q4 20250.68%
Q1 20260.26%
Q2 20260.44%
Return on assets
0.62%1.06%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.76%
Q4 20240.93%
Q1 20251.05%
Q2 20251.14%
Q3 20251.21%
Q4 20251.22%
Q1 20261.50%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$733.0M8.72%0.44%1.45%65.4%
Q1 202671$748.4M8.65%0.26%1.50%61.8%
Q4 202565$729.6M8.52%0.68%1.22%62.0%
Q3 202563$736.4M8.51%0.80%1.21%62.5%
Q2 202562$724.1M8.54%0.80%1.14%65.6%
Q1 202561$729.0M8.55%0.81%1.05%63.5%
Q4 202461$712.5M8.56%0.74%0.93%66.1%
Q3 202464$714.9M8.59%0.29%0.76%71.0%
Q2 202463$690.2M8.71%0.33%0.62%72.9%

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 ratio8.72%
9th
Total risk-based capital15.61%
71st
Problem loans0.44%
49th
Net charge-offs-0.02%
92nd
Return on assets1.45%
63rd
Net interest margin3.85%
45th
Efficiency ratio75.9%
19th
Loans to deposits65.4%
76th
Uninsured deposits28.2%
34th
Loan-loss reserves0.83%
13th
Texas ratio5.1%
35th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
OPTUS BankBank Columbia, SC75 out of 100, Strong$764.2M13.0%0.94%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Arthur State BankBank Union, SC62 out of 100, Moderate$831.9M8.3%0.60%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%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 Countybank?

Yes. Countybank is an FDIC-insured institution (FDIC certificate #9155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($175.6M) 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 8.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.61% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Countybank lists 8 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Countybank reported 876 home-loan applications under HMDA (LEI 549300III1DMY3SLAW56): 642 originated ($215,940,000 total), 45 denied, and 183 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, 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
Countybank
Former names
The County Bank
Type
State-chartered bank
FDIC certificate #
9155
RSSD ID
271529
Primary regulator
FDIC
Holding company
Tcb Corp
Established
June 5, 1933
Headquarters
419 Main St, Greenwood, SC 29646
Employees
169

Quick answers

Countybank: common questions

Is Countybank FDIC insured?

Yes. Countybank is an FDIC-insured institution (FDIC certificate #9155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Countybank's TellerScore?

69 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 Countybank ever failed?

There is no failure record for FDIC certificate #9155 in the FDIC failed bank list.

How many branches does Countybank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwood

InstitutionScoreAssetsCapitalProblem loansCompare
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Founders Federal Credit UnionCredit union Lancaster, SC79 out of 100, Strong$5.2B13.6%0.68%vs
The Commercial BankBank Honea Path, SC76 out of 100, Strong$284.2M12.6%0.75%vs
Parda Federal Credit UnionCredit union Auburn Hills, MI75 out of 100, Strong$217.4M13.7%0.75%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs