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First National Bank Of South Carolina
Holly Hill, SC · FDIC Certificate #2107 · Chartered 09/1
Total assets
$309.66M
Total deposits
$271.56M
Total equity
$35.14M
Net loans
$142.57M
Branches (offices)
8
Net income (YTD)
$1.83M
Rank: #2,421 of 4,213 U.S. banks by assets · #30 of 43 in South Carolina. Assets changed 0.9% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.64% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 11.35% |
| Tier 1 leverage ratio | 12.42% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 52.5% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.35M | 94.2% | |
| Commercial & industrial | $8.07M | 5.7% | |
| Consumer / individual | $1.42M | 1.0% | |
| Construction & development | $13.13M | 9.2% | |
| Agricultural | $600.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $277.59M | $257.24M | $596.00K | $19.60M |
| Jun 2023 | $279.38M | $258.32M | $1.79M | $20.10M |
| Jun 2024 | $284.37M | $257.23M | $1.36M | $24.81M |
| Jun 2025 | $306.86M | $274.34M | $1.78M | $30.60M |
| Jun 2026 | $309.66M | $271.56M | $1.83M | $35.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $271.56M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $271.56M.
Similar-sized banks
The First National Bank Of Bellevue ($309.70M) · The Pecos County State Bank ($309.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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