State directory · SC

South Carolina Banks

Every FDIC-insured bank headquartered in South Carolina, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
43
FDIC banks
78/100
Avg health score
$62.7B
Total assets
10
Failures since 2000

Data updated July 2026

The state picture

South Carolina's 43 FDIC banks hold $62.7B in assets and average 78/100 on health - 88% earn an A or B grade.

43
FDIC-insured banks
88%
grade A or B (38 banks)
$27.9B
largest - United Community Bank
10
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: South Carolina's average health score of 78/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
23
53% of banks
B
15
35% of banks
C
4
9% of banks
D
1
2% of banks
F
0
0% of banks

Largest banks in South Carolina

Top 10 South Carolina banks by total assets
  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

  6. 6
    The Conway National Bank $1.9B

    Conway, SC · Grade A

  7. 7
    South Atlantic Bank $1.9B

    Myrtle Beach, SC · Grade B

  8. 8
    Bank of Travelers Rest $1.6B

    Travelers Rest, SC · Grade A

  9. 9
    Security Federal Bank $1.6B

    Aiken, SC · Grade B

  10. 10
    Coastal Carolina National Bank $1.3B

    Myrtle Beach, SC · Grade A

Top 10 of 43 South Carolina banks · FDIC Call Report Q4 2025.

South Carolina banks by health grade

0 5 10 15 20 25 A B C D F 23 15 4 1 0

How South Carolina compares nationally

South Carolina ranks #16 of 55 states and territories by average bank health score - better than 72% of them.

States grouped by average health score

All 43 South Carolina banks

Bank Assets Grade
United Community Bank $27.9B A
Southern First Bank $4.4B B
Coastal States Bank $2.3B A
Anderson Brothers Bank $2.2B A
First Community Bank $2.1B A
The Conway National Bank $1.9B A
South Atlantic Bank $1.9B B
Bank of Travelers Rest $1.6B A
Security Federal Bank $1.6B B
Coastal Carolina National Bank $1.3B A
First Capital Bank $1.1B A
The Citizens Bank $1.1B A
First Reliance Bank $1.1B A
First Palmetto Bank $1.1B A
Beacon Community Bank $964M D
Carolina Bank & Trust Co. $886M A
Arthur State Bank $814M B
OPTUS Bank $778M A
Countybank $730M A
Oconee Federal Savings and Loan Association $664M A
Palmetto State Bank $623M C
First Piedmont Federal Savings and Loan Association of Gaffney $581M A
The Bank of South Carolina $576M A
Farmers and Merchants Bank of South Carolina $495M A
Enterprise Bank of South Carolina $491M B
The Bank of Clarendon $442M A
The Peoples Bank $439M A
Bank of the Lowcountry $411M B
Bank of York $306M A
First National Bank of South Carolina $306M A
The Commercial Bank $264M B
Blue Ridge Bank $194M B
CBL State Savings Bank $188M C
Bank of Greeleyville $152M B
Spratt Savings Bank $150M B
1st Federal Savings Bank of SC, Inc. $142M B
Abbeville First Bank, SSB $137M B
Pickens Savings and Loan Association, FA $135M B
Dedicated Community Bank $103M B
Woodruff Federal Savings and Loan Association $98M B
Home Federal Savings and Loan Association $40M C
Pee Dee Federal Savings Bank $38M A
Kingstree Federal Savings and Loan Association $37M C

How to read the South Carolina bank directory

This page lists every FDIC-insured bank with a primary regulatory address in South Carolina. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 43 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across South Carolina, 38 institutions (88%) sit in the A or B band, while 1 (2%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 10 banks headquartered in South Carolina have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the South Carolina directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.