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Bank of South CarolinaBKSC +1.87%63 Equity-to-Asset is 0.11 as of Mar. 2026, which is 10% above its 10-year median of 0.10. GuruFocus rates BKSC with a GF Score™ of 63/100 and a GF Value™ of $16.21 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, Bank of South Carolina ranks better than 63.9% on this metric.
Bank of South Carolina (OTCPK:BKSC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bank of South Carolina Equity-to-Asset Related Terms
Bank of South Carolina Equity-to-Asset Historical Data
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The historical data trend for Bank of South Carolina's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BKSC vs USMT, CBKM, PBHC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Bank of South Carolina's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of South Carolina Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of South Carolina's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bank of South Carolina's Equity-to-Asset falls into.
Bank of South Carolina Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Bank of South Carolina's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of South Carolina (BKSC) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of South Carolina and its competitors. This is 10% above median its historical median of 0.10. Over the past decade, Bank of South Carolina's Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, Bank of South Carolina ranks #548 out of 1518 companies in the Banks industry, placing it in the top 36.1%.
Is Bank of South Carolina's Equity-to-Asset too high?
Bank of South Carolina's current Equity-to-Asset of 0.11 is 10% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Bank of South Carolina's value of 0.11 is 10% above this industry median. Based on the distribution chart, Bank of South Carolina ranks #548 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of South Carolina has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of South Carolina's Equity-to-Asset compare to USMT and CBKM?
According to the Banks industry distribution chart, Bank of South Carolina ranks #548 out of 1518 companies for Equity-to-Asset. This puts Bank of South Carolina in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Bank of South Carolina's value of 0.11 is 10% above this benchmark. Historically, Bank of South Carolina's own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Bank of South Carolina has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of South Carolina's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of South Carolina and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of South Carolina's current Equity-to-Asset is 0.11, which is 10% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of South Carolina stock overvalued right now?
Based on GuruFocus' analysis, Bank of South Carolina (BKSC) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.21, compared to a current price of $19.02 — trading 17.3% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 10% above median its 10-year median of 0.10 and 10% above the Banks industry median of 0.10. Bank of South Carolina's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bank of South Carolina (BKSC), the current Equity-to-Asset is 0.11 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of South Carolina (BKSC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of South Carolina stock appears to be overvalued.
The current stock price of $19.02 is trading 17.3% above its estimated GF Value™ of $16.21.
GuruFocus considers Bank of South Carolina to be Modestly Overvalued.
Key valuation signals for BKSC:
Equity-to-Asset: 0.11 (10% above median its 10-year median of 0.10)
GF Value™: $16.21 vs. price of $19.02 (17.3% above fair value)
Industry Position: 10% above the Banks median (#548 of 1518)
No single metric tells the full story. See the BKSC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of South Carolina Corp is a bank holding company offering financial services through its wholly owned subsidiary, The Bank operates principally in the Charleston, Dorchester, and Berkeley counties of South Carolina and derives the majority of its income from interest on loans and investment securities funded by deposits. Its personal banking services include Checking, Savings, Zelle, Certificates of Deposit, Health Savings Accounts, Individual Retirement Accounts, VISA CheckCards, eSafe Internet Banking, Mobile Banking, Consumer Loans, Credit Cards and Safe Deposit Boxes, while business banking services include Checking, Savings, Certificates of Deposit, Health Savings Accounts, eCorp Internet Banking, Wire Transfer Requests and Merchant Credit Card Services.
63GF Score
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