Total Assets
$306M
Total balance-sheet footings
FDIC Cert #2107 · Holly Hill, South Carolina · Est. 1905
First National Bank of South Carolina - FDIC Bank Health Profile
A community-scale look at First National Bank of South Carolina's own numbers, pulled straight from its quarterly FDIC Call Report.
- $306M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 23.6%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of South Carolina earns a PlainBankData health grade of A (88/100), with well-capitalized at 23.55% Tier 1, profitable at 1.28% ROA, 61% efficiency ratio.
- #2,463
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 23.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank of South Carolina's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of South Carolina's composite health score
Tier 1 Capital Ratio (23.55%) 40/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (1.75%) 20/20
Efficiency Ratio (60.83%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$270M
Customer-funded liabilities
Net Loans
$144M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of South Carolina ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of South Carolina's score of 88/100 falls in the highlighted band.
First National Bank of South Carolina'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). First National Bank of South Carolina's $306M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.55%
Texas Ratio
1.75%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
12.53%
Efficiency Ratio
60.83%
What the numbers say about First National Bank of South Carolina
First National Bank of South Carolina is an FDIC-insured institution (Certificate #2107) headquartered in Holly Hill, South Carolina, established in 1905. It holds $306M in total assets - 2,463rd of 4,313 FDIC-insured banks, $270M in customer deposits, and $144M in net loans. Capital-wise, the Tier 1 ratio sits at 23.55%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.75%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank of South Carolina sits 30th of 43 banks headquartered in South Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of South Carolina reports a Texas Ratio of 1.75% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.75% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of South Carolina (FDIC Cert #2107) - 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.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First National Bank of South Carolina's health grade?▼
First National Bank of South Carolina receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank of South Carolina?▼
First National Bank of South Carolina holds $306M in total assets and $270M in deposits, ranking 2,463rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Holly Hill, South Carolina.
Is my money safe at First National Bank of South Carolina?▼
Yes, deposits at First National Bank of South Carolina (Certificate #2107) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of South Carolina's Tier 1 Capital Ratio?▼
First National Bank of South Carolina has a Tier 1 Capital Ratio of 23.55%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank of South Carolina?▼
First National Bank of South Carolina has a Texas Ratio of 1.75%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of South Carolina?▼
First National Bank of South Carolina has an Efficiency Ratio of 60.83%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of South Carolina's profile as a depositor or analyst.
- First National Bank of South Carolina's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of South Carolina against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.