FDIC Cert #31410 · Walterboro, South Carolina · Est. 1962

1st Federal Savings Bank of SC, Inc. - FDIC Bank Health Profile

A community-scale look at 1st Federal Savings Bank of SC, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$142M
Total assets
B
Health grade · Good
0.55%
Return on assets
18.7%
Tier 1 capital

Data updated July 2026

The verdict

1st Federal Savings Bank of SC, Inc. earns a PlainBankData health grade of B (74/100), with well-capitalized at 18.65% Tier 1, 0.55% ROA, 84% efficiency ratio.

#3,417
largest of 4,313 FDIC banks by assets
21st
percentile by asset size, nationally
18.65%
Tier 1 ratio - above the 10% well-capitalized line
18th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31410 · SC B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2649/4307
  • PHOTO-FINISH Gouverneur Savings a… · NY
  • TIER1-WELL 18.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.55% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Gouverneur Savings and Loan Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Federal Savings Bank of SC, Inc.

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Federal Savings… · SC · …74/100Dollar Bank, Federal… · PA ·…74/100F&M Bank and Trust C… · MO ·…74/100Gouverneur Savings a… · NY ·…74/100Mid-Central National… · MN ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Federal Savings Bank of SC, Inc. · July 2026

Call Report read for 1st Federal Savings Bank of SC, Inc. in a high-failure state

1st Federal Savings Bank of SC, Inc. (FDIC Cert #31410) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,649 of 4,307. Tier 1 capital prints at 18.65%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $142M, 3,417th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gouverneur Savings and Loan Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Federal Savings Bank of SC, Inc.

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

1st Federal Savings Bank of SC, Inc. sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about 1st Federal Savings Bank of SC, Inc.'s current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How 1st Federal Savings Bank of SC, Inc.'s 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
1st Federal Savings Bank of SC, Inc.'s composite health score
Tier 1 Capital Ratio (18.65%) 40/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (83.93%) 0/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$142M

Total balance-sheet footings

Total Deposits

$126M

Customer-funded liabilities

Net Loans

$115M

Outstanding loan book

Net Income

$821K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.25% 18.65% 20.05%
Basel III capital ratios - 1st Federal Savings Bank of SC, Inc.

Where 1st Federal Savings Bank of SC, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Federal Savings Bank of SC, Inc.'s score of 74/100 falls in the highlighted band.

1st Federal Savings Bank of SC, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. 1st Federal Savings Bank of SC, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

1st Federal Savings Bank of SC, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Federal Savings Bank of SC, Inc.'s $142M falls in the highlighted band.

Capital & credit buffers at 1st Federal Savings Bank of SC, Inc.

Tier 1 capital ratio
Well-capitalized 10%

18.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.65%
Texas Ratio
0.00%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: 1st Federal Savings Bank of SC, Inc.

Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
6.47%
Efficiency Ratio
83.93%

What these mean →

Income & expense at 1st Federal Savings Bank of SC, Inc.

$7M
Interest Income
$647K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Federal Savings Bank of SC, Inc. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View 1st Federal Savings Bank of SC, Inc. on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($142M here), outside South Carolina so the neighborhood is not state containment.

Security Bank of Southwest Missouri $142M · MO Security State Bank of Warroad $142M · MN The American National Bank of Mount P… $142M · TX State Bank of Fairmont $142M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Federal Savings Bank of SC, Inc. (FDIC Cert #31410) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

1st Federal Savings Bank of SC, Inc. Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%