First National Bank of South Carolina: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of South Carolina of Holly Hill, SC against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Ahead of the peer average, behind the median peer. | 1.27% | 1.25% | +0.02% | 28th below |
| ROAE | 11.17% | 13.24% | -2.07% | 31st below |
| Net Interest Margin | 3.84% | 3.95% | -0.11% | 36th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 60.75% | 61.22% | -0.47% | 36th below |
| PPNR / Avg Assets | 1.71% | — | — | 39th below |
| Yield on Earning Assets | 4.55% | 5.68% | -1.13% | 10th bottom |
| Cost of Funds | 0.79% | 1.88% | -1.09% | 87th top |
| Net Interest Spread | 3.40% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 43rd below |
| NPA / Total Assets | 0.19% | — | — | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 21st bottom |
| ACL / Total Loans | 1.32% | — | — | 56th above |
| ACL / NPLs (Coverage) | 311.71% | — | — | 56th above |
| Texas Ratio | 1.60% | 7.40% | -5.80% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.88% | 17.09% | +8.79% | 75th top |
| Tier 1 Ratio | 25.88% | 17.12% | +8.76% | 75th top |
| Total Capital Ratio | 27.12% | — | — | 75th top |
| Leverage Ratio | 12.83% | 11.73% | +1.10% | 64th above |
| Equity / Assets | 11.48% | 10.96% | +0.52% | 61st above |
| TCE / Tangible Assets | 11.48% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.98% | 80.60% | -28.62% | 82nd top |
| Core Deposit Ratio | 94.42% | 86.92% | +7.50% | 72nd above |
| Wholesale Funding Ratio | 0.41% | — | — | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.63% | — | — | 31st below |
| Loan Growth (Y/Y) | -5.33% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | -0.41% | — | — | 20th bottom |
See First National Bank of South Carolina's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of South Carolina, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of South Carolina profile, how to read a UBPR, or how this data updates.