First National Bank of South Carolina
Also written as FNB of South Carolina
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of South Carolina is an FDIC-insured commercial bank headquartered in Holly Hill, SC, established in 1905 (FDIC certificate 2107), and it is supervised by the OCC. At Q2 2026 it reported total assets of $309.7M, up 0.9% from Q2 2025, the 30th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 24.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2107
- Headquarters
- Holly Hill, SC
- Established
- 1905
- Total assets, Q2 2026
- $309.7M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 24.80%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 053203210
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of South Carolina Q3 2026 call report, filed October 2, 2026 (preliminary)
- Holding company
- FNB CORPORATION
- Asset rank in state
- 30th of 43 in South Carolina
First National Bank of South Carolina, based in Holly Hill, South Carolina, reported $310 million in assets at June 30, 2026. It pays an average of 0.79% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 24.80% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.43% of loans, down from 0.64% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.1 million equal 13% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, First National Bank of South Carolina reported a CET1 capital ratio of 24.80%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 1.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of South Carolina is the 30th largest of the 43 banks headquartered in South Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $309.7M, loans fell 1.4% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 34.7% of total loans, followed by 1-4 family residential loans at 30.2%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in SC; its Summerville 3 offices book 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of South Carolina meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 801 Gilway St, Holly Hill, SC 29059
- County
- Orangeburg
- Metro Area
- Orangeburg, SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 15, 1905
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $271.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- -$25K
- Average total assets
- $313.8M
- Average total loans
- $144.5M
- Average interest-bearing deposits
- $184.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2107
- Fed RSSD
- 347022
- Website
- http://www.fnbsc.com →
- Parent Holding Company
- FNB CORPORATION (RSSD 1143230)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First National Bank of South Carolina's total assets moved between a low of $273.7M (Q4 2023) and a high of $310.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$309.7M total assets against $306.9M; $274.5M total liabilities against $276.3M.
$142.6M net loans and leases against $142.1M; $271.6M total deposits against $274.3M.
$91.5M securities against $91.7M; $65.9M cash and balances due against $62.6M.
$3.4M total interest income against $3.4M; $538K total interest expense against $535K.
$2.8M net interest income against $2.8M.
$495K total noninterest income against $451K; $2.0M total noninterest expense against $1.9M.
$9K provision for credit losses against $9K.
$951K net income against $976K.
1.21% return on assets against 1.31%; 3.75% net interest margin against 3.86%.
24.80% CET1 capital ratio against 22.43%; 12.42% tier 1 leverage ratio against 11.92%.
Inside the full First National Bank of South Carolina terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of South Carolina rankings
Its closest position to the top of a national ranking is 159 of 2,134, for CET1 ratio; its furthest is 2,397 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q1 2025) to 1.38% (Q4 2025) and its net interest margin ran from 3.68% (Q1 2025) to 3.86% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.80% | 1.21% | 0.43% | 1.67% | 3.75% |
| Q1 2026 | 24.04% | 1.14% | 0.43% | 2.50% | 3.69% |
| Q4 2025 | 23.55% | 1.38% | 0.43% | 2.55% | 3.77% |
| Q3 2025 | 22.52% | 1.32% | 0.62% | 3.80% | 3.71% |
| Q2 2025 | 22.43% | 1.31% | 0.64% | 4.05% | 3.86% |
| Q1 2025 | 21.89% | 1.12% | 0.55% | 3.81% | 3.68% |
| Q4 2024 | 21.72% | 1.26% | 0.56% | 4.08% | 3.83% |
| Q3 2024 | 22.16% | 1.21% | 0.58% | 4.01% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Summerville Branch | Summerville , SC | 29483 | $104.8M |
| First National Bank of South Carolina (main office) | Holly Hill , SC | 29059 | $57.8M |
| Sangaree Nexton Branch | Summerville , SC | 29486 | $22.0M |
| Goose Creek Branch | Goose Creek , SC | 29445 | $21.6M |
| Ridgeville Branch | Ridgeville , SC | 29472 | $20.6M |
| Harleyville Branch | Harleyville , SC | 29448 | $17.6M |
| Eutawville Branch | Eutawville , SC | 29048 | $16.2M |
| Boone Hill Branch | Summerville , SC | 29483 | $10.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- July 18, 2012, OCC: Formal Agreement: First Federal of South Carolina, FSB
- August 28, 2009, OCC (former OTS): Supervisory Agreement: First Federal of South Carolina, FSB
- September 21, 1992, OCC: Formal Agreement: First National Bank of South Carolina
- Period: Most recent institution action July 18, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in SC, rank 49 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 16 loans originated, $4.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of South Carolina
What are First National Bank of South Carolina's total assets?
As of the Q2 2026 filing, First National Bank of South Carolina reported total assets of $309.7 million in its FFIEC call report.
Where is First National Bank of South Carolina headquartered?
It is headquartered in Holly Hill, SC, United States.
When was First National Bank of South Carolina founded?
It was established in 1905, per the FDIC institution directory.
Is First National Bank of South Carolina FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of South Carolina?
First National Bank of South Carolina's primary federal regulator is the OCC.
What is First National Bank of South Carolina's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of South Carolina operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of South Carolina's Texas Ratio?
Its Texas Ratio is 1.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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