1st Federal Savings Bank of SC, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Federal Savings Bank of SC, Inc. of Walterboro, SC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.35% | -0.76% | 16th bottom |
| ROAE | 6.52% | 13.32% | -6.80% | 19th bottom |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 82.64% | 61.13% | +21.51% | 11th bottom |
| PPNR / Avg Assets | 0.83% | 1.68% | -0.85% | 16th bottom |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 1.02% | 1.88% | -0.86% | 91st top |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 0.80% | 1.28% | -0.48% | 10th bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 528.57% | 1395.06% | -866.49% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.20% | 19.48% | -0.28% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.20% | 19.52% | -0.32% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.45% | 20.60% | -0.15% | 75th top |
| Leverage Ratio | 9.68% | 12.14% | -2.46% | 25th below |
| Equity / Assets | 8.94% | 11.37% | -2.43% | 26th below |
| TCE / Tangible Assets | 8.94% | 11.08% | -2.14% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.80% | 80.66% | +6.14% | 36th below |
| Core Deposit Ratio | 90.75% | 86.85% | +3.90% | 59th above |
| Wholesale Funding Ratio | 2.05% | 5.04% | -2.99% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.20% | 6.84% | -8.04% | 13th bottom |
| Loan Growth (Y/Y) | -2.28% | 7.92% | -10.20% | 14th bottom |
| Deposit Growth (Y/Y) | 0.31% | 6.29% | -5.98% | 25th below |
See 1st Federal Savings Bank of SC, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 1st Federal Savings Bank of SC, Inc. profile, how to read a UBPR, or how this data updates.