TellerScore

1st Federal Savings Bank of SC, Inc. is a savings association headquartered in Walterboro, South Carolina, in business for about 64 years. At the end of Q2 2026 it reported $151.6M in total assets and $134.3M in deposits, with 2 offices.

1st Federal Savings Bank of SC, Inc. has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 33rd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (44/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.68%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings44/100
Return on assets (annualized): 0.61%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 86.1% · 18.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the capital cushion component improved by 7 points.

TellerScore
556677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202477
Q4 202464
Q1 202564
Q2 202566
Q3 202566
Q4 202567
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%7.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.71%
Q3 20249.00%
Q4 20248.77%
Q1 20258.87%
Q2 20259.01%
Q3 20259.13%
Q4 20259.33%
Q1 20269.47%
Q2 20269.68%
Noncurrent loans
0.00%0.23%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.28%1.12%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20241.97%
Q4 20240.50%
Q1 20250.37%
Q2 20250.49%
Q3 20250.55%
Q4 20250.55%
Q1 20260.63%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$151.6M9.68%0.00%0.61%86.1%
Q1 202668$153.1M9.47%0.00%0.63%85.8%
Q4 202567$141.8M9.33%0.00%0.55%91.3%
Q3 202566$148.0M9.13%0.00%0.55%88.2%
Q2 202566$153.4M9.01%0.00%0.49%88.4%
Q1 202564$152.7M8.87%0.00%0.37%88.3%
Q4 202464$144.9M8.77%0.00%0.50%96.0%
Q3 202477$166.4M9.00%0.00%1.97%87.2%
Q2 202455$165.3M7.71%0.47%0.28%88.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.68%
25th
Total risk-based capital20.45%
87th
Problem loans0.00%
94th
Net charge-offs0.01%
45th
Return on assets0.61%
15th
Net interest margin4.29%
70th
Efficiency ratio81.1%
12th
Loans to deposits86.1%
35th
Uninsured deposits18.5%
70th
Loan-loss reserves0.80%
11th
Texas ratio0.0%
95th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
Bank of GreeleyvilleBank Greeleyville, SC75 out of 100, Strong$160.1M10.6%0.38%vs
Abbeville First Bank, SSBBank Abbeville, SC64 out of 100, Moderate$138.8M10.4%0.81%vs
Pickens Savings and Loan Association, FABank Pickens, SC75 out of 100, Strong$138.3M10.9%0.00%vs
CBL State Savings BankBank Greer, SC80 out of 100, Strong$191.3M15.9%0.01%vs
Woodruff Federal Savings and Loan AssociationBank Woodruff, SC78 out of 100, Strong$104.2M31.5%0.42%vs

Deposit insurance

Is my money safe at 1st Federal Savings Bank of SC, Inc.?

Yes. 1st Federal Savings Bank of SC, Inc. is an FDIC-insured institution (FDIC certificate #31410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.5% of deposits ($24.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.45% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

1st Federal Savings Bank of SC, Inc. lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Federal Savings Bank of SC, Inc.
Former names
First Federal of South Carolina, FSB; First Carolina Bank, Federal Savings Bank; First Federal Savings and Loan Association
Type
Savings association
FDIC certificate #
31410
RSSD ID
535575
Primary regulator
FDIC
Holding company
First Carolina Bancshares M H C
Established
January 1, 1962
Headquarters
300 Robertson Blvd, Walterboro, SC 29488
Employees
23

Quick answers

1st Federal Savings Bank of SC, Inc.: common questions

Is 1st Federal Savings Bank of SC, Inc. FDIC insured?

Yes. 1st Federal Savings Bank of SC, Inc. is an FDIC-insured institution (FDIC certificate #31410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 1st Federal Savings Bank of SC, Inc.'s TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 1st Federal Savings Bank of SC, Inc. ever failed?

There is no failure record for FDIC certificate #31410 in the FDIC failed bank list.

How many branches does 1st Federal Savings Bank of SC, Inc. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Walterboro

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
Rev Federal Credit UnionCredit union Charleston, SC72 out of 100, Strong$1.2B13.8%0.57%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Bank of the LowcountryBank Walterboro, SC65 out of 100, Moderate$430.2M9.3%0.15%vs