Side-by-side · Q2 2026 data
First National Bank of South Carolina vs Edisto Federal Credit Union
Bank
First National Bank of South Carolina
Holly Hill, South Carolina · $100 million – $1 billion
Credit union
Edisto Federal Credit Union
Orangeburg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First National Bank of South Carolina | Edisto Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 86 (stronger) | 49 |
| Earnings | 68 (stronger) | 35 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 82nd | 49th |
| Total assets | $309.7M | $23.4M |
| Deposits / shares | $271.6M | $19.2M |
| Capital ratio | 12.42% | 17.37% (stronger) |
| Problem loans | 0.43% (stronger) | 1.54% |
| Net charge-offs | -0.03% (stronger) | 0.29% |
| Return on assets | 1.19% (stronger) | 0.39% |
| Loans ÷ deposits | 52.5% | 50.1% (stronger) |
| Uninsured deposits | 17.2% | 3.3% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First National Bank of South Carolina has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of South Carolina leads on 4 and Edisto Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.