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First National Bank of South Carolina

$100M-$1B Specialty: Commercial SC FDIC cert 2107

Holly Hill, SC

8 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

First National Bank of South Carolina has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.29% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.12% below tier average
  • - Net Interest Margin 0.21% below tier average
Get updates when First National Bank of South Carolina releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $310.4M
+5.5% YoY +1.6% QoQ
-$75.7M $386.1M
+0.5% YoY
$1.5B
+4.7% YoY
$6.2B
+9.1% YoY
48%
Total Loans ? $144.6M
+1.6% YoY +0.2% QoQ
-$111.1M $255.7M
+1.1% YoY
$993.8M
+7.7% YoY
$3.2B
+10.8% YoY
34%
Total Deposits ? $273.6M
+4.0% YoY +1.5% QoQ
-$54.4M $328.0M
+0.1% YoY
$1.3B
+4.0% YoY
$4.8B
+8.2% YoY
50%
Return on Assets ? 1.15%
+3.5% YoY -10.5% QoQ
-0.12% 1.27%
+12.9% YoY
1.18%
+45.0% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.72%
-1.2% YoY -3.0% QoQ
-0.21% 3.93%
+6.0% YoY
3.64%
+5.2% YoY
3.89%
+5.7% YoY
42%
Efficiency Ratio ? 63.00%
-2.2% YoY +3.6% QoQ
-2.29% 65.29%
-4.5% YoY
67.38%
-5.7% YoY
66.95%
-4.1% YoY
51%
Delinquency Rate ? 0.43%
-23.0% YoY -0.5% QoQ
-0.46% 0.89%
+18.8% YoY
0.54%
+11.8% YoY
0.95%
+18.8% YoY
49%
Loan-to-Deposit Ratio ? 52.84%
-2.4% YoY -1.3% QoQ
-23.80% 76.64%
+0.8% YoY
73.64%
+1.6% YoY
76.70%
+0.9% YoY
Top 11.7% in tier
Non-Interest-Bearing Deposit Share ? 32.13%
-3.7% YoY +3.5% QoQ
+10.11% 22.02%
-1.0% YoY
20.84%
-0.7% YoY
22.01%
-1.2% YoY
Top 13.6% in tier
Nonperforming Asset Ratio ? 0.29%
-27.3% YoY -1.8% QoQ
-0.35% 0.64%
+19.7% YoY
0.34%
+10.8% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 24.04%
+9.8% YoY +2.1% QoQ
+8.21% 15.83%
+1.5% YoY
17.50%
+3.0% YoY
17.06%
+0.8% YoY
Top 7.5% in tier
Non-Interest Income / Assets ? 0.16%
-5.6% YoY -76.2% QoQ
-0.12% 0.28%
+9.3% YoY
0.17%
+48.2% YoY
0.32%
+4.1% YoY
75%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

201
Tier 1 Capital Ratio
capital
Value: 24.04%
Peer Median: 15.83%
#201 of 2664 Top 7.5% in $100M-$1B
314
Loan-to-Deposit Ratio
liquidity
Value: 52.84%
Peer Median: 76.64%
#314 of 2664 Top 11.7% in $100M-$1B
364
Non-Interest-Bearing Deposit Share
funding
Value: 32.13%
Peer Median: 22.02%
#364 of 2664 Top 13.6% in $100M-$1B
657
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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