Total Assets
$188M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
CBL State Savings Bank — FDIC Bank Health Profile
Greer, South Carolina · Est. 1907. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #31900 Atlanta Region
F
Health grade
At Risk
Score: 0/100
Basel III capital ratios — CBL State Savings Bank
Total Deposits
$122M
Customer-funded liabilities
Net Loans
$116M
Outstanding loan book
Net Income
$-278K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$29M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-0.15%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-0.96%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
109.34%
Income & Expense Breakdown
$9M
Interest Income
$167K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
CBL State Savings Bank is FDIC-insured (Certificate #31900). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About CBL State Savings Bank
CBL State Savings Bank is an FDIC-insured institution (Certificate #31900) headquartered in Greer, South Carolina, established in 1907. The bank currently holds $188M in total assets and $122M in customer deposits, with $116M deployed as loans. It operates as a State chartered (SI) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, CBL State Savings Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $29M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -0.15% and a Return on Equity of -0.96%, with an Efficiency Ratio of 109.34% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (0/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at CBL State Savings Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in South Carolina by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data CBL State Savings Bank (FDIC Cert #31900) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community Bank Greenville | $27.9B | B | 1.19% |
| Southern First Bank Greenville | $4.4B | C | 0.75% |
| Coastal States Bank Hilton Head Island | $2.3B | B | 1.17% |
| Anderson Brothers Bank Mullins | $2.2B | C | 1.38% |
| First Community Bank Lexington | $2.1B | C | 1.07% |
| The Conway National Bank Conway | $1.9B | B | 1.23% |
| South Atlantic Bank Myrtle Beach | $1.9B | C | 0.93% |
| Bank of Travelers Rest Travelers Rest | $1.6B | B | 1.44% |
Frequently Asked Questions
What is CBL State Savings Bank's health grade? ▼
CBL State Savings Bank receives a health grade of F (0/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is CBL State Savings Bank? ▼
CBL State Savings Bank holds $188M in total assets and $122M in deposits. It is headquartered in Greer, South Carolina.
Is my money safe at CBL State Savings Bank? ▼
Yes. CBL State Savings Bank is FDIC-insured (Certificate #31900). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is CBL State Savings Bank's Tier 1 Capital Ratio? ▼
CBL State Savings Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is CBL State Savings Bank? ▼
CBL State Savings Bank has an Efficiency Ratio of 109.34%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.