First National Bank of South Carolina: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 5.66 percentage points lower than in Q2 2026, at 92.41%. First National Bank of South Carolina ranks 36th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 51.98% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of South Carolina sits 28.85 points lower, at 51.98% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $140.7M |
| Net loans and leases | $138.9M |
| Loans held for sale | $0 |
| Loans to total assets | 45.53% |
| Loan-to-deposit ratio | 51.98% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.16% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 5.64% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.41% |
| Construction concentration (Tier 1 capital + allowance) | 31.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $125.2M | $249.3M | 46.84% | 8.22% | 2.00% |
| Q1 2024 | $131.0M | $253.8M | 49.34% | 7.43% | 1.82% |
| Q2 2024 | $135.4M | $257.2M | 47.57% | 7.01% | 1.69% |
| Q3 2024 | $137.5M | $257.4M | 48.79% | 6.99% | 1.51% |
| Q4 2024 | $142.7M | $258.6M | 50.39% | 6.54% | 1.17% |
| Q1 2025 | $144.1M | $263.0M | 52.06% | 6.31% | 1.08% |
| Q2 2025 | $143.9M | $274.3M | 51.38% | 6.63% | 1.08% |
| Q3 2025 | $148.6M | $271.8M | 51.96% | 6.04% | 1.00% |
| Q4 2025 | $146.1M | $269.7M | 52.89% | 5.27% | 0.89% |
| Q1 2026 | $146.4M | $273.6M | 52.60% | 6.13% | 0.88% |
| Q2 2026 | $144.4M | $271.6M | 52.50% | 5.59% | 0.98% |
| Q3 2026 | $140.7M | $270.7M | 53.16% | 5.64% | 1.03% |
First National Bank of South Carolina loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of South Carolina, freeSource: Call Report Schedule RC-C, 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)