Side-by-side · Q2 2026 data
First National Bank of South Carolina vs Latitude 32 Federal Credit Union
Bank
First National Bank of South Carolina
Holly Hill, South Carolina · $100 million – $1 billion
Credit union
Latitude 32 Federal Credit Union
Charleston, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First National Bank of South Carolina | Latitude 32 Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 88 (stronger) |
| Capital cushion | 74 | 98 (stronger) |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 68 | 74 (stronger) |
| Funding & liquidity | 98 (stronger) | 81 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 82nd | 85th |
| Total assets | $309.7M | $69.5M |
| Deposits / shares | $271.6M | $58.8M |
| Capital ratio | 12.42% | 14.83% (stronger) |
| Problem loans | 0.43% | 0.39% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.28% |
| Return on assets | 1.19% | 1.34% (stronger) |
| Loans ÷ deposits | 52.5% (stronger) | 79.3% |
| Uninsured deposits | 17.2% | 6.3% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Latitude 32 Federal Credit Union has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of South Carolina leads on 2 and Latitude 32 Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.