TellerScore

Headquartered in Darlington, South Carolina, Dedicated Community Bank is a state-chartered bank with $100.6M in total assets and $91.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1986.

Dedicated Community Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 36th. Problem-loan coverage contributes the most (92/100, 3.8%); capital cushion contributes the least (43/100, 9.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.27%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 82.5% · 18.0% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.77%

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 5 points (60 → 65), mostly because the capital cushion component improved by 9 points.

TellerScore
535965Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202453
Q4 202459
Q1 202560
Q2 202560
Q3 202562
Q4 202564
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.14%9.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.89%
Q3 20248.84%
Q4 20248.42%
Q1 20258.24%
Q2 20258.38%
Q3 20258.70%
Q4 20258.89%
Q1 20268.94%
Q2 20269.27%
Noncurrent loans
0.41%0.78%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20241.15%
Q4 20240.51%
Q1 20250.50%
Q2 20250.57%
Q3 20250.55%
Q4 20250.41%
Q1 20260.41%
Q2 20260.47%
Return on assets
0.27%0.58%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.33%
Q4 20240.43%
Q1 20250.61%
Q2 20250.68%
Q3 20250.80%
Q4 20250.76%
Q1 20260.81%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$100.6M9.27%0.47%0.89%82.5%
Q1 202664$101.7M8.94%0.41%0.81%80.4%
Q4 202564$103.4M8.89%0.41%0.76%79.5%
Q3 202562$103.8M8.70%0.55%0.80%80.0%
Q2 202560$101.8M8.38%0.57%0.68%80.9%
Q1 202560$105.1M8.24%0.50%0.61%73.1%
Q4 202459$101.6M8.42%0.51%0.43%76.0%
Q3 202453$99.7M8.84%1.15%0.33%79.1%
Q2 202459$95.8M8.89%0.55%0.27%79.7%

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 ratio9.27%
17th
Total risk-based capital13.31%
59th
Problem loans0.47%
47th
Net charge-offs0.00%
68th
Return on assets0.89%
28th
Net interest margin4.54%
81st
Efficiency ratio75.5%
20th
Loans to deposits82.5%
44th
Uninsured deposits18.0%
72nd
Loan-loss reserves0.58%
4th
Texas ratio3.8%
42nd

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Woodruff Federal Savings and Loan AssociationBank Woodruff, SC78 out of 100, Strong$104.2M31.5%0.42%vs
Pickens Savings and Loan Association, FABank Pickens, SC75 out of 100, Strong$138.3M10.9%0.00%vs
Abbeville First Bank, SSBBank Abbeville, SC64 out of 100, Moderate$138.8M10.4%0.81%vs
1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC68 out of 100, Moderate$151.6M9.7%0.00%vs
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
Bank of GreeleyvilleBank Greeleyville, SC75 out of 100, Strong$160.1M10.6%0.38%vs

Deposit insurance

Is my money safe at Dedicated Community Bank?

Yes. Dedicated Community Bank is an FDIC-insured institution (FDIC certificate #26588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($16.4M) 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 9.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.31% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Dedicated Community Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dedicated Community Bank reported 30 home-loan applications under HMDA (LEI 5493002Q3RPRW6RCXC39): 27 originated ($3,595,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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
Dedicated Community Bank
Former names
Darlington County Bank
Type
State-chartered bank
FDIC certificate #
26588
RSSD ID
513322
Primary regulator
FDIC
Holding company
Darlington Cnty Bancshares Inc
Established
March 10, 1986
Headquarters
202 Cashua St, Darlington, SC 29532
Employees
19

Quick answers

Dedicated Community Bank: common questions

Is Dedicated Community Bank FDIC insured?

Yes. Dedicated Community Bank is an FDIC-insured institution (FDIC certificate #26588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dedicated Community Bank'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 Dedicated Community Bank ever failed?

There is no failure record for FDIC certificate #26588 in the FDIC failed bank list.

How many branches does Dedicated Community Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Darlington

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Baptist Church Federal Credit UnionCredit union Florence, SC92 out of 100, Very strong$2.3M16.8%0.20%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Dixies Federal Credit UnionCredit union Darlington, SC77 out of 100, Strong$47.6M22.7%0.80%vs