The Bank of South Carolina (FDIC certificate #26912) is based in Charleston, South Carolina. Its Q2 2026 call report shows $571.2M in total assets and $497.3M in deposits and 6 offices.
Based on its Q2 2026 filing, The Bank of South Carolina scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 16th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is funding & liquidity (54/100; 73% loans-to-deposits, 44% uninsured).
TellerScore · Q2 2026
Scorecard
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 (75 → 77), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.47% |
| Q3 2024 | 10.82% |
| Q4 2024 | 11.08% |
| Q1 2025 | 11.26% |
| Q2 2025 | 11.27% |
| Q3 2025 | 11.27% |
| Q4 2025 | 11.46% |
| Q1 2026 | 11.85% |
| Q2 2026 | 11.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.42% |
| Q4 2025 | 1.42% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $571.2M | 11.76% | 0.29% | 1.56% | 73.4% |
| Q1 2026 | 78 | $561.7M | 11.85% | 0.21% | 1.45% | 73.3% |
| Q4 2025 | 77 | $576.2M | 11.46% | 0.21% | 1.42% | 71.4% |
| Q3 2025 | 76 | $575.8M | 11.27% | 0.31% | 1.42% | 69.3% |
| Q2 2025 | 75 | $580.3M | 11.27% | 0.30% | 1.36% | 70.5% |
| Q1 2025 | 74 | $567.1M | 11.26% | 0.31% | 1.32% | 71.4% |
| Q4 2024 | 74 | $556.8M | 11.08% | 0.12% | 1.14% | 74.4% |
| Q3 2024 | 73 | $570.8M | 10.82% | 0.11% | 1.08% | 70.2% |
| Q2 2024 | 71 | $582.4M | 10.47% | 0.09% | 0.99% | 70.5% |
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).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| Enterprise Bank of South CarolinaBank Ehrhardt, SC | 52 out of 100, Below average | $535.1M | 9.3% | 3.64% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| The Bank of ClarendonBank Manning, SC | 84 out of 100, Strong | $438.3M | 11.7% | 0.01% | vs |
Deposit insurance
Is my money safe at The Bank of South Carolina?
Yes. The Bank of South Carolina is an FDIC-insured institution (FDIC certificate #26912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.4% of deposits ($220.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
The Bank of South Carolina lists 6 offices in 4 cities. Most locations:
- Charleston, SC (3)
- Ladson, SC (1)
- Mount Pleasant, SC (1)
- Summerville, SC (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of South Carolina reported 153 home-loan applications under HMDA (LEI 549300YQ763HO7N3CO68): 139 originated ($71,695,000 total), 0 denied, and 12 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
- The Bank of South Carolina
- Type
- State-chartered bank
- FDIC certificate #
- 26912
- RSSD ID
- 246022
- Primary regulator
- FDIC
- Holding company
- Bank of South Carolina Corp
- Established
- February 26, 1987
- Headquarters
- 256 Meeting St, Charleston, SC 29401
- Website
- www.banksc.com
- Employees
- 81
Quick answers
The Bank of South Carolina: common questions
Is The Bank of South Carolina FDIC insured?
Yes. The Bank of South Carolina is an FDIC-insured institution (FDIC certificate #26912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of South Carolina's TellerScore?
77 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 The Bank of South Carolina ever failed?
There is no failure record for FDIC certificate #26912 in the FDIC failed bank list.
How many branches does The Bank of South Carolina have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Charleston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| Latitude 32 Federal Credit UnionCredit union Charleston, SC | 88 out of 100, Very strong | $69.5M | 14.8% | 0.39% | vs |
| Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC | 88 out of 100, Very strong | $413.6M | 16.6% | 0.74% | vs |
| First National Bank of South CarolinaBank Holly Hill, SC | 82 out of 100, Strong | $309.7M | 12.4% | 0.43% | vs |
| South Carolina Federal Credit UnionCredit union North Charlesto, SC | 76 out of 100, Strong | $2.6B | 13.3% | 0.60% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |