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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 2107 · SC A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1010/4307
  • PHOTO-FINISH Citizens Bank & Trus… · MT
  • TIER1-WELL 23.6% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-STRONG 1.28% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Citizens Bank & Trust Company, MT (±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 First National Bank of South Carolina

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Deerfield · WI · near88/100Citizens Bank & Trus… · MT ·…88/100First National Bank… · SC · …88/100The Bank of Magnolia… · OH ·…88/100Waukon State Bank · IA · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank of South Carolina · July 2026

Call Report read for First National Bank of South Carolina in a high-failure state

First National Bank of South Carolina (FDIC Cert #2107) carries a PlainBankData health grade of A at 88/100, 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 #1,010 of 4,307. Tier 1 capital prints at 23.55%, clearing the 10% well-capitalized line. The Texas Ratio is 1.75%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.28%. Balance-sheet scale is $306M, 2,463rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank & Trust Company (MT), 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 First National Bank of South Carolina

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

First National Bank of South Carolina 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 First National Bank of South Carolina'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 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.

0/100100/100National avg77/10088/100
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 Assets

$306M

Total balance-sheet footings

Total Deposits

$270M

Customer-funded liabilities

Net Loans

$144M

Outstanding loan book

Net Income

$4M

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.) 22.15% 23.55% 24.95%
Basel III capital ratios - First National Bank of South Carolina

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 23% higher than 77% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank of South Carolina 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

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.

Capital & credit buffers at First National Bank of South Carolina

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

What these ratios mean →

Earnings posture at First National Bank of South Carolina

Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
12.53%
Efficiency Ratio
60.83%

What these mean →

Income & expense at First National Bank of South Carolina

$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.

FDIC Failed Bank List → View First National Bank of South Carolina 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 ($306M here), outside South Carolina so the neighborhood is not state containment.

Western Bank $305M · NM Kaw Valley State Bank and Trust Compa… $306M · KS Washington Savings Bank $306M · MA Tompkins State Bank $305M · IL

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.

First National Bank of South Carolina 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%