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6650 Calhoun Memorial Highway
Easley, SC 29640

CertusBank, National Association is headquartered in Easley and is the 3rd largest bank in the state of South Carolina. It is also the 445th largest bank in the nation. It was established in 2011 and as of June of 2014, it had grown to 547 employees at 38 locations. CertusBank, National Association has a C+ health rating.

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Reviews (1)

Certusbank In Savannah


In Savannah, everyone knows everyone. It is a tight knit little city. It is very difficult to break into the business community in this city. CertusBank will struggle to thrive in Savannah because they lied to ALL their customers form day one.

They promised no changes, then fired the only decent honest manager left from Atlantic Southern. Whoever is calling the shots, made a huge bad decision. There is absolutely no reason to bank where you cannot trust the people that work there.

The whisper campaign has started in Savannah. As CDs mature, CertusBank will see what Savannahians think of their deceit. I guess I'll go back to SunTrust. They weren't very nice, but at least they were honest.



Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 CertusBank, National Association had $61.22 million in non-current loans and owned real-estate with $156.09 million in equity and loan loss allowances on hand to cover it. This gives CertusBank, National Association a Texas Ratio of 39.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CertusBank, National Association decreased slightly from 49.46% as of June 30, 2013 to 39.22% as of June 30, 2014, resulting in a positive change of 20.69%.This indicates that the balance sheet and financial strength for CertusBank, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, CertusBank, National Association has decreased its total deposits by -$185.91 million, resulting in -12.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CertusBank, National Association has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CertusBank, National Association has $1.56 billion in assets with $156.09 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

FDIC Certificate #59028
Year Established2011
Primary RegulatorOCC
Assets and Liabilities
Assets$1.56 billion
Loans$978.17 million
Deposits$1.35 billion
Equity Capital$123.01 million
Loan Loss Allowance$33.08 million
Unbacked Noncurrent Loans$57.47 million
Real Estate Owned$3.76 million
Historic Data - June 2013
Assets$1.80 billion
Equity Capital$208.23 million
Loan Loss Allowance$21.21 million
Unbacked Noncurrent Loans$57.47 million
Real Estate Owned$2.59 million
Profit Margin - Quarterly
Return on Assets-3.01%
Return on Equity-36.04%
Interest Income$35.42 million

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CertusBank, National Association has 32 locations. Click to view all CertusBank, National Association locations.