BlastPoint's Banking Scorecard

First National Bank of South Carolina

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

Holly Hill, SC

8 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
Deposits -1.0% year over year ($271.6M on the books).
Delinquency rate 0.43%.
Return on assets 1.19%.
Efficiency ratio 62.19% vs a 64.48% peer average.
Loan-to-deposit ratio 52.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 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 3 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 0.48% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 34.8% in tier
- ROA 0.13% below tier average
- Net Interest Margin 0.22% below tier average

Get updates when First National Bank of South Carolina releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$309.7M +0.9% YoY -0.2% QoQ	-$76.9M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$142.6M +0.3% YoY -1.4% QoQ	-$115.8M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$271.6M -1.0% YoY -0.8% QoQ	-$55.2M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	1.19% -1.2% YoY +3.7% QoQ	-0.13%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.76% -2.0% YoY +1.2% QoQ	-0.22%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	62.19% +0.5% YoY -1.3% QoQ	-2.29%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	50%
Delinquency Rate ?	0.43% -33.4% YoY +0.8% QoQ	-0.48%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	52.50% +1.3% YoY -0.6% QoQ	-25.45%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	Top 10.3% in tier
Non-Interest-Bearing Deposit Share ?	32.80% -4.6% YoY +2.1% QoQ	+10.77%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Top 13.0% in tier
Nonperforming Asset Ratio ?	0.20% -53.2% YoY -31.6% QoQ	-0.47%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	24.80% +10.5% YoY +3.1% QoQ	+8.89%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	0.32% +3.5% YoY +103.2% QoQ	-0.25%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Noninterest-Bearing	32.8% -1.6pp YoY +0.7pp QoQ	+10.6pp	22.1%	21.7%	22.2%	87%
Brokered Deposits	n/a	n/a	7.9%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	5.7% -1.1pp YoY -0.6pp QoQ	-5.9pp	11.6%	9.8%	12.5%	24%
CRE	63.2% -0.5pp YoY -0.6pp QoQ	+23.6pp	39.5%	43.3%	41.4%	88%
1-4 Family	30.6% +1.1pp YoY +0.6pp QoQ	-2.0pp	32.6%	44.4%	31.3%	53%
Consumer	1.0% -0.1pp YoY +0.1pp QoQ	-3.1pp	4.1%	4.5%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	24.8% +2.4pp YoY +0.8pp QoQ	+6.0pp	18.8%	18.1%	19.7%	88%
Leverage Ratio	12.4% +0.5pp YoY +0.2pp QoQ	+0.2pp	12.2%	12.3%	12.6%	69%
Total Capital Ratio	26.0% +2.4pp YoY +0.8pp QoQ	+6.1pp	19.9%	19.1%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	60 -1 (-1.6%) YoY +3 (+5.3%) QoQ	+1	58	174	482	63%
Assets per Employee ($)	$5.2M +2.6% YoY -5.2% QoQ	-$2.4M	$7.5M	$7.8M	$8.8M	17%
Branch Count	8 0 YoY 0 QoQ	+3	4	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.0%	0.4%	n/a
Nonaccrual	0.4% -0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.5%	1.0%	49%
Allowance Coverage	3.02x +54.7% YoY +1.1% QoQ	-21.13x	24.15x	15.59x	20.23x	59%
Net Charge-off Rate (YTD)	-0.0% 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	7%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	10.6% -1.6pp YoY +0.3pp QoQ	-1.6pp	12.2%	11.7%	11.6%	41%
Cost of Funds (YTD)	0.7% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$1.8M +2.9% YoY — QoQ	-$721K	$2.6M	$9.6M	$40.4M	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Outflow

decline

#187 of 535 • Bottom 34.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

188

Tier 1 Capital Ratio

capital

Value: 24.80%

Peer Median: 15.91%

#188 of 2643 Top 7.1% in $100M-$1B

273

Loan-to-Deposit Ratio

liquidity

Value: 52.50%

Peer Median: 77.95%

#273 of 2643 Top 10.3% in $100M-$1B

345

Non-Interest-Bearing Deposit Share

funding

Value: 32.80%

Peer Median: 22.03%

#345 of 2643 Top 13.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available