1st Federal Savings Bank of SC, Inc.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
1st Federal Savings Bank of SC, Inc. is a locally rooted FDIC-insured community bank based in Walterboro, SC. Returns are subdued: 0.59% ROA and 6.52% ROE. 1st Federal Savings Bank of SC, Inc's Q2 2026 balance sheet shows $152M in assets funded primarily by $134M in customer deposits. Capital cushions are healthy: 19.20% CET1, 9.68% Tier 1 leverage. Asset quality is pristine, 0.00% NPLs and a 0.00% Texas Ratio. 2 branches make up the footprint.
As of June 30, 2026, 1st Federal Savings Bank of SC, Inc. reported a CET1 capital ratio of 19.20%, a return on assets of 0.59%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 300 Robertson Blvd, Walterboro, SC 29488
- County
- Colleton
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1962
- Former names
- First Federal of South Carolina, FSB (1997-2018); First Carolina Bank, Federal Savings Bank (1994-1997)
- Offices
- 2 domestic
- Employees (FTE)
- 23
- Domestic deposits
- $134.3M
- Allowance for credit losses
- $935K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $148.5M
- Average total loans
- $116.2M
- Average interest-bearing deposits
- $105.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31410
- Fed RSSD
- 535575
- Website
- www.1stfederalofsc.com →
- Parent Holding Company
- FIRST CAROLINA BANCSHARES, M.H.C. (RSSD 3834710)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full 1st Federal Savings Bank of SC, Inc. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., free1st Federal Savings Bank of SC, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.20% | 0.59% | 0.00% | 0.00% | 4.41% |
| Q1 2026 | 18.95% | 0.62% | 0.00% | 0.00% | 4.12% |
| Q4 2025 | 18.65% | 0.54% | 0.00% | 0.00% | 4.24% |
| Q3 2025 | 18.09% | 0.66% | 0.00% | 0.00% | 4.34% |
| Q2 2025 | 17.27% | 0.62% | 0.00% | 0.00% | 4.16% |
| Q1 2025 | 16.97% | 0.36% | 0.00% | 0.00% | 3.83% |
| Q4 2024 | 16.44% | -4.27% | 0.00% | 0.00% | 3.70% |
| Q3 2024 | 17.41% | 5.28% | 0.00% | 0.00% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st Federal Savings Bank of SC, Inc. (main office) | Walterboro , SC | 29488 | $96.0M |
| Edisto Island Branch | Edisto Island , SC | 29438 | $38.4M |
Regulatory record
What the public regulatory sources show for 1st Federal Savings Bank of SC, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in SC, rank 56 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows 1st Federal Savings Bank of SC, Inc.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare 1st Federal Savings Bank of SC, Inc. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about 1st Federal Savings Bank of SC, Inc.
What are 1st Federal Savings Bank of SC, Inc.'s total assets?
As of the Q2 2026 filing, 1st Federal Savings Bank of SC, Inc. reported total assets of $151.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st Federal Savings Bank of SC, Inc. headquartered?
1st Federal Savings Bank of SC, Inc. is headquartered in Walterboro, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1st Federal Savings Bank of SC, Inc. founded?
1st Federal Savings Bank of SC, Inc. was established in 1962, per the FDIC institution directory.
Is 1st Federal Savings Bank of SC, Inc. FDIC-insured?
Yes. 1st Federal Savings Bank of SC, Inc. is an FDIC-insured commercial bank (FDIC Certificate #31410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Federal Savings Bank of SC, Inc.?
1st Federal Savings Bank of SC, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st Federal Savings Bank of SC, Inc.'s CET1 capital ratio?
1st Federal Savings Bank of SC, Inc. reported a Common Equity Tier 1 (CET1) capital ratio of 19.20% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 1st Federal Savings Bank of SC, Inc. operate?
1st Federal Savings Bank of SC, Inc. operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Federal Savings Bank of SC, Inc.'s Texas Ratio?
1st Federal Savings Bank of SC, Inc.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was 1st Federal Savings Bank of SC, Inc. previously called?
The charter now named 1st Federal Savings Bank of SC, Inc. has also operated as First Federal of South Carolina, FSB (1997-2018), First Carolina Bank, Federal Savings Bank (1994-1997), per FDIC structure-change records.
Go deeper on 1st Federal Savings Bank of SC, Inc.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock 1st Federal Savings Bank of SC, Inc., freeFree account