First National Bank of South Carolina: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q3 2026 was in Accumulated other comprehensive income: 14.1% lower than in Q2 2026, at -$4.4M. First National Bank of South Carolina ranks 4th of 30 South Carolina banks on CET1 ratio, in the upper half at 25.88% (Q3 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, First National Bank of South Carolina reported 25.88% on CET1 ratio in Q3 2026, 10.81 points higher; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.88% |
| Tier 1 risk-based capital ratio | 25.88% |
| Total risk-based capital ratio | 27.12% |
| Tier 1 leverage ratio | 12.83% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $39.9M |
| Tier 1 capital | $39.9M |
| Total risk-based capital | $41.8M |
| Total equity capital | $35.5M |
| Risk-weighted assets | $154.0M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.48% |
| Tangible equity to tangible assets | 11.48% |
| Equity capital to average assets | 11.42% |
| Internal capital growth rate | 10.09% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $2.5M |
| Retained earnings | $34.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 22.51% | 22.51% | 23.76% | 11.57% | $140.0M |
| Q1 2024 | 22.09% | 22.09% | 23.34% | 11.74% | $146.0M |
| Q2 2024 | 21.78% | 21.78% | 23.03% | 11.61% | $150.0M |
| Q3 2024 | 22.16% | 22.16% | 23.32% | 11.70% | $150.8M |
| Q4 2024 | 21.72% | 21.72% | 22.88% | 11.77% | $156.7M |
| Q1 2025 | 21.89% | 21.89% | 23.05% | 12.02% | $158.8M |
| Q2 2025 | 22.43% | 22.43% | 23.60% | 11.92% | $158.8M |
| Q3 2025 | 22.52% | 22.52% | 23.67% | 11.96% | $162.2M |
| Q4 2025 | 23.55% | 23.55% | 24.73% | 12.13% | $158.5M |
| Q1 2026 | 24.04% | 24.04% | 25.24% | 12.25% | $158.6M |
| Q2 2026 | 24.80% | 24.80% | 26.01% | 12.42% | $157.2M |
| Q3 2026 | 25.88% | 25.88% | 27.12% | 12.83% | $154.0M |
First National Bank of South Carolina regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of South Carolina, freeSource: Call Report Schedule RC-R, 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 First National Bank of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2107) · FFIEC NIC profile (RSSD 347022)