Side-by-side · Q2 2026 data
First National Bank of South Carolina vs The Citizens 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 | The Citizens Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 74 (stronger) | 49 |
| Loan quality | 86 | 94 (stronger) |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 98 (stronger) | 83 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 82nd | 74th |
| Total assets | $309.7M | $1.1B |
| Deposits / shares | $271.6M | $1.0B |
| Capital ratio | 12.42% (stronger) | 9.91% |
| Problem loans | 0.43% | 0.18% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.05% |
| Return on assets | 1.19% | 1.24% (stronger) |
| Loans ÷ deposits | 52.5% (stronger) | 62.5% |
| Uninsured deposits | 17.2% (stronger) | 28.2% |
| Offices | 8 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 2.1% |
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 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.