1st Federal Savings Bank of SC, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 0.79 percentage points lower than in Q1 2026, at 90.75%. 1st Federal Savings Bank of SC, Inc. ranks 37th of 44 South Carolina banks on return on assets, in the lower half at 0.59% (Q2 2026). 1st Federal Savings Bank of SC, Inc.'s return on assets of 0.59% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.20% |
| Tier 1 risk-based capital ratio | 19.20% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 9.68% |
| Equity capital to assets | 8.94% |
| Tangible equity to tangible assets | 8.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 6.52% |
| Net interest margin | 4.41% |
| Efficiency ratio | 82.64% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.80% |
| Core deposits to total deposits | 90.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.64% |
| Securities to assets | 9.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.50% | 15.50% | 16.67% | 7.96% | 0.37% |
| Q4 2023 | 14.76% | 14.76% | 15.88% | 7.93% | 0.32% |
| Q1 2024 | 14.95% | 14.95% | 16.10% | 7.86% | 0.31% |
| Q2 2024 | 14.87% | 14.87% | 16.02% | 7.71% | 0.26% |
| Q3 2024 | 17.41% | 17.41% | 18.56% | 9.00% | 5.28% |
| Q4 2024 | 16.44% | 16.44% | 17.65% | 8.77% | -4.27% |
| Q1 2025 | 16.97% | 16.97% | 18.21% | 8.87% | 0.36% |
| Q2 2025 | 17.27% | 17.27% | 18.51% | 9.01% | 0.62% |
| Q3 2025 | 18.09% | 18.09% | 19.34% | 9.13% | 0.66% |
| Q4 2025 | 18.65% | 18.65% | 19.89% | 9.33% | 0.54% |
| Q1 2026 | 18.95% | 18.95% | 20.20% | 9.47% | 0.62% |
| Q2 2026 | 19.20% | 19.20% | 20.45% | 9.68% | 0.59% |
1st Federal Savings Bank of SC, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Federal Savings Bank of SC, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31410) · FFIEC NIC profile (RSSD 535575)