TellerScore

First National Bank of South Carolina (FDIC certificate #2107) is based in Holly Hill, South Carolina. Its Q2 2026 call report shows $309.7M in total assets and $271.6M in deposits and 8 offices.

Based on its Q2 2026 filing, First National Bank of South Carolina scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 9th. Its strongest component is funding & liquidity (98/100; 53% loans-to-deposits, 17% uninsured), and its lowest is earnings (68/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.42%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 52.5% · 17.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.67%

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 4 points (78 → 82), mostly because the loan quality component improved by 7 points.

TellerScore
757982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202478
Q1 202579
Q2 202578
Q3 202579
Q4 202581
Q1 202681
Q2 202682
Tier 1 leverage ratio
5.00%8.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.61%
Q3 202411.70%
Q4 202411.77%
Q1 202512.02%
Q2 202511.92%
Q3 202511.96%
Q4 202512.13%
Q1 202612.25%
Q2 202612.42%
Noncurrent loans
0.43%0.56%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.70%
Q3 20240.58%
Q4 20240.56%
Q1 20250.55%
Q2 20250.64%
Q3 20250.62%
Q4 20250.43%
Q1 20260.43%
Q2 20260.43%
Return on assets
0.98%1.13%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.05%
Q4 20241.11%
Q1 20251.11%
Q2 20251.20%
Q3 20251.24%
Q4 20251.28%
Q1 20261.15%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$309.7M12.42%0.43%1.19%52.5%
Q1 202681$310.4M12.25%0.43%1.15%52.8%
Q4 202581$305.6M12.13%0.43%1.28%53.5%
Q3 202579$307.2M11.96%0.62%1.24%54.0%
Q2 202578$306.9M11.92%0.64%1.20%51.8%
Q1 202579$294.2M12.02%0.55%1.11%54.1%
Q4 202478$287.7M11.77%0.56%1.11%54.5%
Q3 202477$287.8M11.70%0.58%1.05%52.8%
Q2 202475$284.4M11.61%0.70%0.98%51.9%

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 ratio12.42%
69th
Total risk-based capital26.01%
94th
Problem loans0.43%
49th
Net charge-offs-0.03%
94th
Return on assets1.19%
46th
Net interest margin3.76%
40th
Efficiency ratio62.2%
50th
Loans to deposits52.5%
90th
Uninsured deposits17.2%
75th
Loan-loss reserves1.30%
62nd
Texas ratio1.7%
61st

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
The Commercial BankBank Honea Path, SC76 out of 100, Strong$284.2M12.6%0.75%vs
Southern BankBank Spartanburg, SC59 out of 100, Moderate$407.9M8.2%0.28%vs
Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC88 out of 100, Very strong$413.6M16.6%0.74%vs
Blue Ridge BankBank Walhalla, SC69 out of 100, Moderate$199.4M9.2%0.00%vs
CBL State Savings BankBank Greer, SC80 out of 100, Strong$191.3M15.9%0.01%vs

Deposit insurance

Is my money safe at First National Bank of South Carolina?

Yes. First National Bank of South Carolina is an FDIC-insured institution (FDIC certificate #2107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($46.6M) 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 12.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.01% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First National Bank of South Carolina lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of South Carolina reported 16 home-loan applications under HMDA (LEI 549300X0240UXBEJNV56): 16 originated ($4,080,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank of South Carolina
Former names
The First National Bank of Holly Hill; First National Bank of Holly Hill
Type
National bank
FDIC certificate #
2107
RSSD ID
347022
Primary regulator
OCC
Holding company
Fnb Corp
Established
September 15, 1905
Headquarters
801 Gilway St, Holly Hill, SC 29059
Employees
60

Quick answers

First National Bank of South Carolina: common questions

Is First National Bank of South Carolina FDIC insured?

Yes. First National Bank of South Carolina is an FDIC-insured institution (FDIC certificate #2107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of South Carolina's TellerScore?

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

Has First National Bank of South Carolina ever failed?

There is no failure record for FDIC certificate #2107 in the FDIC failed bank list.

How many branches does First National Bank of South Carolina have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holly Hill

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC88 out of 100, Very strong$413.6M16.6%0.74%vs
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
The Bank of South CarolinaBank Charleston, SC77 out of 100, Strong$571.2M11.8%0.29%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%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