Side-by-side · Q2 2026 data
First National Bank of South Carolina vs Southern Bank
Bank
First National Bank of South Carolina
Holly Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | First National Bank of South Carolina | Southern Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 59 |
| Capital cushion | 74 (stronger) | 32 |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 68 (stronger) | 24 |
| Funding & liquidity | 98 (stronger) | 84 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 82nd | 17th |
| Total assets | $309.7M | $407.9M |
| Deposits / shares | $271.6M | $358.4M |
| Capital ratio | 12.42% (stronger) | 8.18% |
| Problem loans | 0.43% | 0.28% (stronger) |
| Net charge-offs | -0.03% (stronger) | -0.03% |
| Return on assets | 1.19% (stronger) | 0.10% |
| Loans ÷ deposits | 52.5% (stronger) | 73.2% |
| Uninsured deposits | 17.2% (stronger) | 17.8% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 25.0% |
First National Bank of South Carolina has the higher TellerScore (82 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of South Carolina leads on 6 and Southern Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.