Bank · FDIC insured
CBL State Savings Bank
A $191.3M bank headquartered in Greer, SC, with 2 branches in South Carolina. Best rates: CDs 3.85% and savings 2.05% APY.
CBL State Savings Bank Carrot Score
84
Carrot Score
Higher than 64% of U.S. banks and credit unions
#16 of 33 in Greenville, SC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About CBL State Savings Bank
Founded in 1907 as Citizens Building and Loan, CBL State Savings Bank operates out of Greer, South Carolina.
Originally established to encourage homeownership and savings, the bank expanded to open a second full-service location in Landrum, South Carolina, in 2021.
- Headquarters
- 229 Trade St, Greer, SC 29651
- FDIC certificate
- 31900 ↗
Branches
2 branches in South Carolina
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South Carolina
2 branches
Greenville area · 1
- CBL State Savings BankMain office229 Trade St, Greer, SC 29651Directions
Spartanburg area · 1
- Landrum Branch1401 E Rutherford St, Landrum, SC 29356Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.93% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio15.93%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of CBL State Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.