🏦Bank Scorer

ARTHUR STATE BANK

UNION, SC · Supervised by FDIC

Est. 1933FDIC #15,085RSSD: FDIC-15085
Part ofJCO VENTURES LLC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

100 E Main St, UNION, SC

County

Union County

Established

April 1, 1933

Total Assets

$826M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$826M

Total Deposits

$693M

Net Loans

$600M

Net Income

$2M

ROA

1.07%

ROE

16.08%

Risk-Based Capital

13.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.70%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$679M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427675.36%8.70%
202329173.2%12.37%
202243679.13%10.78%
202166585.41%7.37%
202088484.5%5.77%
201935878.21%10.34%
201826882.84%7.46%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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