Bank of the Lowcountry
Walterboro, SC
IDRSSD: 1404481
Total Assets
$406.76M
Latest filing
Total Deposits
$352.70M
Latest filing
Net Interest Margin
3.94%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the Lowcountry
1100 N Jefferies Blvd
Walterboro, SC 29488
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1989FDIC Certificate 40225
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of the Lowcountry (Main) | 1100 N Jefferies Blvd | Walterboro, SC |
| RAVENEL BRANCH | 6225 Savannah Hwy | Ravenel, SC |
| RIDGELAND BRANCH | 8058 E Main St | Ridgeland, SC |
| MOUNT PLEASANT | 767 Johnnie Dodds Blvd | Mount Pleasant, SC |
| WEST ASHLEY BRANCH | 1923 Sam Rittenberg Blvd | Charleston, SC |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1989 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29488 |
| State and County Number | 45029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/01/1989 |
| Primary Insurance Agency | DIF |
| Website | www.banklowcountry.com |
| Data Updated | 11/14/2025 |
| CERT | 27496 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $406.76M |
| Total Deposits | $352.70M |
| Total Liabilities | $379.67M |
| Total Equity Capital | $27.09M |
| Net Income | $731.00k |
| Net Loans and Leases | $294.82M |
| Assets Per Employee ($Millions) | $7.67M |
| Bank Premises and Fixed Assets | $7.36M |
| Cash and Balances due from Depository Institutions | $8.18M |
| Deposits Held in Domestic Offices | $352.70M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 12.46% |
| Net Interest Margin | 3.94% |
| Efficiency Ratio | 70.96% |
| Tier 1 Risk-Based Capital Ratio | 11.545% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.661% |
| Earning Assets to total Assets | 95.03% |
Income and Expense
| Total Interest Income | $5.56M |
| Total Noninterest Income | $115.00k |
| Total Interest Expense | $1.93M |
| Total Noninterest Expense | $2.65M |
| Net Interest Income | $3.63M |
| Pre-tax Net Operating Income | $961.00k |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.16M |
| Federal Funds Purchased and Repurchased Agreement | $3.00M |
| All Other Liabilities | $3.97M |
| Total Liabilities and Capital | $406.76M |
Securities
| Securities | $88.13M |
| Available-for-sale debt securities | $88.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the Lowcountry?
$406.76M as of the latest filing.
How much are Bank of the Lowcountry's total deposits?
$352.70M in total deposits.
Where is Bank of the Lowcountry located?
Walterboro, SC.
What is the Net Interest Margin?
3.94%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1989.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$294.82M (latest filing).
What is the total interest income (latest filing)?
$5.56M.