First National Bank of South Carolina: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 9.28 percentage points higher than in Q2 2026, at 311.71%. First National Bank of South Carolina ranks 16th of 44 South Carolina banks on return on assets, in the upper half at 1.27% (Q3 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; First National Bank of South Carolina reported 1.27% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 25.88% |
| Tier 1 risk-based capital ratio | 25.88% |
| Total risk-based capital ratio | 27.12% |
| Tier 1 leverage ratio | 12.83% |
| Equity capital to assets | 11.48% |
| Tangible equity to tangible assets | 11.48% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.60% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 311.71% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 11.17% |
| Net interest margin | 3.84% |
| Efficiency ratio | 60.75% |
| Yield on earning assets | 4.55% |
| Cost of funds | 0.79% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.98% |
| Core deposits to total deposits | 94.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.58% |
| Securities to assets | 30.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 22.51% | 22.51% | 23.76% | 11.57% | 1.41% |
| Q1 2024 | 22.09% | 22.09% | 23.34% | 11.74% | 1.23% |
| Q2 2024 | 21.78% | 21.78% | 23.03% | 11.61% | 0.74% |
| Q3 2024 | 22.16% | 22.16% | 23.32% | 11.70% | 1.21% |
| Q4 2024 | 21.72% | 21.72% | 22.88% | 11.77% | 1.26% |
| Q1 2025 | 21.89% | 21.89% | 23.05% | 12.02% | 1.12% |
| Q2 2025 | 22.43% | 22.43% | 23.60% | 11.92% | 1.31% |
| Q3 2025 | 22.52% | 22.52% | 23.67% | 11.96% | 1.32% |
| Q4 2025 | 23.55% | 23.55% | 24.73% | 12.13% | 1.38% |
| Q1 2026 | 24.04% | 24.04% | 25.24% | 12.25% | 1.14% |
| Q2 2026 | 24.80% | 24.80% | 26.01% | 12.42% | 1.21% |
| Q3 2026 | 25.88% | 25.88% | 27.12% | 12.83% | 1.27% |
First National Bank of South Carolina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of South Carolina, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)