BlastPoint's Banking Scorecard

1st Federal Savings Bank of SC, Inc.

$100M-$1B Specialty: Mortgage SC FDIC cert 31410

Walterboro, SC

2 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

1st Federal Savings Bank of SC, Inc. has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 44.4% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 17.4% in tier
- Liquidity Overhang: Bottom 31.4% in tier
- ROA 0.64% below tier average
- Efficiency Ratio 14.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$153.1M +0.2% YoY +8.0% QoQ	-$233.0M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	15%
Total Loans ?	$115.9M -0.6% YoY +0.8% QoQ	-$139.8M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$135.1M +2.3% YoY +7.2% QoQ	-$192.9M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	0.63% +72.2% YoY +13.6% QoQ	-0.64%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	4.19% +9.1% YoY -0.3% QoQ	+0.26%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	79.43% -10.0% YoY -5.4% QoQ	+14.14%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	85.83% -2.8% YoY -6.0% QoQ	+9.19%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	19.35% +4.7% YoY -3.4% QoQ	-2.67%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.95% +11.7% YoY +1.6% QoQ	+3.12%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.12% +14.9% YoY -73.9% QoQ	-0.16%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	62%

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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 (1)

Credit Quality Leader

growth

#296 of 664 • Top 44.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#90 of 512 • Bottom 17.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.63%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Overhang

risk

#233 of 739 • Bottom 31.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.95%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.83%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

422

Tier 1 Capital Ratio

capital

Value: 18.95%

Peer Median: 15.83%

#422 of 2664 Top 15.8% in $100M-$1B

Top Weaknesses (5 metrics)

2265

Total Assets

size

Value: $153.07M

Peer Median: $386.08M

#2265 of 2664 Bottom 15.0% in $100M-$1B

2239

Efficiency Ratio

profitability

Value: 79.43%

Peer Median: 65.29%

#2239 of 2664 Bottom 16.0% in $100M-$1B

2215

Total Deposits

size

Value: $135.08M

Peer Median: $327.97M

#2215 of 2664 Bottom 16.9% in $100M-$1B

2204

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2204 of 2664 Bottom 17.3% in $100M-$1B

2008

Total Loans

size

Value: $115.94M

Peer Median: $255.72M

#2008 of 2664 Bottom 24.7% in $100M-$1B