Sandhills Bank

1020 Highway 17 North
North Myrtle Beach, SC 29582

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Sandhills Bank is an FDIC insured institution located in North Myrtle Beach, SC. It was founded in 1959 and has approximately $0.18 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 17953
Date Established 1959
Assets $0.18 billion
Loans $0.14 billion
Deposits $0.16 billion
Capital $0.02 billion

For a more detailed analysis of Sandhills Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Sandhills Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - November 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Sandhills Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

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NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
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3.531% 3.500% 0.38 $952 $1,123 Learn More
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4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
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0.000 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loans
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3.740 %
$0 Learn More
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People's United Bank, N.A.
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5.000 %
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Note to Sandhills Bank
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Financial Details

Sandhills Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sandhills Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Sandhills Bank U.S. Bank Average
5.32% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Sandhills Bank had $1,000,000 in non-current loans and $100,000 in owned real estate. To cover these potential losses it had $19,380,000 in equity and $1,293,000 in loans loss reserves. That gives it a Texas Ratio of 5.32%.

Return on Equity
Sandhills Bank U.S. Bank Average
3.36% 9.50%

Sandhills Bank has a Return on Equity of 3.36% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Sandhills Bank U.S. Bank Average
10.99% 12.76%

Sandhills Bank has a Capitalization of 10.99% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Sandhills Bank Balance Sheet Analysis

As of June 30, 2019, Sandhills Bank had assets of $176,420,000, loans of $138,696,000, and deposits of $156,366,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.16 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 88.50%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Sandhills Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Sandhills Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 50.78
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 12.39
Construction and Development Loans 12.46
Commercial Real Estate 28.53
Commercial and Industrial Loans 5.99
Farm Loans 0.00

Frequently Asked Questions About Sandhills Bank

Branches and Savings

Is Sandhills Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17953.

Why does Sandhills Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Sandhills Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Sandhills Bank a commercial bank?


Where are Sandhills Bank locations?

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Does Sandhills Bank offer mortgages?

Compare mortgage rates here.

Does Sandhills Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sandhills Bank offer personal loans?

Compare personal loan rates here.

Does Sandhills Bank offer student loans?

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Background on The Bank

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