1ST FEDERAL SAVINGS BANK OF SC, INC.

WALTERBORO, SC | Small | Est. Jan. 1, 1962, midnight | FDIC #31410 | RSSD #535575 | FDIC
Latest Report: 2025-12-31

1ST FEDERAL SAVINGS BANK OF SC, INC. is asn small FDIC-insured commercial bank headquartered in WALTERBORO, SC, established in Jan. 1, 1962, midnight. As of 2025-12-31, the bank reported total assets of $142M and total deposits of $126M. Profitability stands at 0.56% ROA and 6.17% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 18.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31410.

Assets

$142M

Deposits

$126M

Loans

$116M

Equity

$13M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 6.17%
Net Interest Margin (NIM) 4.53%
Yield on Assets 5.50%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 18.65%
Tier 1 Capital 18.65%
Total Capital Ratio 19.89%
Leverage Ratio 9.33%
Loan-to-Deposit 91.98%

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