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1st Federal Savings Bank of SC, Inc.

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

Walterboro, SC

2 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 +0.3% year over year ($134.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.61%.
  • Efficiency ratio 81.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.10% 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) →

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 41.6% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 6.2% in tier
  • - Efficiency Drag: Bottom 31.6% in tier
  • - Liquidity Overhang: Bottom 32.9% in tier
  • - ROA 0.72% below tier average
Get updates when 1st Federal Savings Bank of SC, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $151.6M
-1.2% YoY -1.0% QoQ
-$235.0M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Bottom 14.5% in tier
Total Loans ? $115.7M
-2.3% YoY -0.2% QoQ
-$142.7M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $134.3M
+0.3% YoY -0.6% QoQ
-$192.4M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 0.61%
+23.5% YoY -3.7% QoQ
-0.72% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 4.29%
+7.6% YoY +2.2% QoQ
+0.30% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 81.11%
-4.3% YoY +2.1% QoQ
+16.63% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Bottom 12.4% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.10%
-2.6% YoY +0.3% QoQ
+8.15% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 21.69%
+7.1% YoY +12.1% QoQ
-0.34% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 19.20%
+11.2% YoY +1.3% QoQ
+3.29% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.27%
+24.1% YoY +125.3% QoQ
-0.30% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
66%

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 21.7%
+1.4pp YoY
+2.3pp QoQ
 -0.5pp 22.1% 21.7% 22.2% 53%
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 0.0%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 9.8% 12.5% 0%
CRE n/a n/a 39.5% 43.3% 41.4% n/a
1-4 Family 91.1%
+1.2pp YoY
-1.3pp QoQ
 +58.5pp 32.6% 44.4% 31.3% 98%
Consumer 1.2%
+0.1pp YoY
+0.2pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 19.2%
+1.9pp YoY
+0.2pp QoQ
 +0.4pp 18.8% 18.1% 19.7% 75%
Leverage Ratio 9.7%
+0.7pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.3% 12.6% 25%
Total Capital Ratio 20.4%
+1.9pp YoY
+0.2pp QoQ
 +0.5pp 19.9% 19.1% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 23
-2 (-8.0%) YoY
0 QoQ
 -36 58 174 482 15%
Assets per Employee ($) $6.6M
+7.4% YoY
-1.0% QoQ
 -$929K $7.5M $7.8M $8.8M 44%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

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 n/a n/a 0.9% 0.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 15.59x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 6.8%
+0.8pp YoY
-0.2pp QoQ
 -5.4pp 12.2% 11.7% 11.6% 20%
Cost of Funds (YTD) 1.0%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $451,000
+22.2% YoY
— QoQ
 -$2.1M $2.6M $9.6M $40.4M 10%

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
#275 of 659 • Top 41.6% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Flatlined Growth

risk
#34 of 529 • Bottom 6.2% 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: 0.61%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#115 of 361 • Bottom 31.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.11%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Liquidity Overhang

risk
#245 of 742 • Bottom 32.9% 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: 19.20%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.10%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
412
Tier 1 Capital Ratio
capital
Value: 19.20%
Peer Median: 15.91%
#412 of 2643 Top 15.6% in $100M-$1B

Top Weaknesses (5 metrics)

2317
Efficiency Ratio
profitability
Value: 81.11%
Peer Median: 64.48%
#2317 of 2643 Bottom 12.4% in $100M-$1B
2260
Total Assets
size
Value: $151.55M
Peer Median: $386.57M
#2260 of 2643 Bottom 14.5% in $100M-$1B
2237
Return on Assets
profitability
Value: 0.61%
Peer Median: 1.32%
#2237 of 2643 Bottom 15.4% in $100M-$1B
2208
Total Deposits
size
Value: $134.34M
Peer Median: $326.73M
#2208 of 2643 Bottom 16.5% in $100M-$1B
2007
Total Loans
size
Value: $115.67M
Peer Median: $258.35M
#2007 of 2643 Bottom 24.1% in $100M-$1B
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