BanksFIRST NATIONAL BANK OF SOUTH CAROLINA

FIRST NATIONAL BANK OF SOUTH CAROLINA

HOLLY HILL, SCSmallEst. Sept. 15, 1905, midnightFDIC #2107RSSD #347022OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF SOUTH CAROLINA is an FDIC-insured commercial bank headquartered in HOLLY HILL, SC, established in Sept. 15, 1905, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $270M. Profitability stands at 1.38% ROA and 12.75% ROE, with a net interest margin of 4.00%. CET1 capital ratio: 23.55%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 2.55%. Operates 8 domestic branches.

Assets
$306M
Deposits
$270M
Loans
$146M
Equity
$34M

Profitability

Return on Assets (ROA)1.38%
Return on Equity (ROE)12.75%
Net Interest Margin4.00%
Yield on Assets4.83%
Cost of Funds0.87%

Asset Quality

NPL Ratio0.43%
Net Charge-Off Ratio0.00%
Texas Ratio2.55%
NPA Ratio0.30%
ACL / Loans1.25%

Capital & Liquidity

CET1 Ratio23.55%
Tier 1 Capital23.55%
Total Capital Ratio24.73%
Leverage Ratio12.13%
Loan-to-Deposit54.20%

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