BlastPoint's Banking Scorecard
First National Bank of South Carolina
Micro
Specialty: Commercial
SC
FDIC cert 2107
Designations: ✓ Community bank
Holly Hill, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
First National Bank of South Carolina shows strong momentum with 1 strength and 6.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.70% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.6M
+6.2% YoY
-0.5% QoQ
|
+$88.1M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$144.3M
+2.4% YoY
-1.7% QoQ
|
+$5.1M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$269.7M
+4.3% YoY
-0.8% QoQ
|
+$86.0M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.28%
+15.4% YoY
+3.0% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.84%
-1.4% YoY
+0.3% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
60.83%
-6.7% YoY
+0.1% QoQ
|
-6.90% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.43%
-24.1% YoY
-31.1% QoQ
|
-0.21% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
53.52%
-1.7% YoY
-0.9% QoQ
|
-21.01% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
31.04%
-7.1% YoY
-5.5% QoQ
|
+8.65% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.30%
-28.0% YoY
-30.2% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
23.55%
+8.4% YoY
+4.6% QoQ
|
+14.70% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.65%
-5.3% YoY
+38.2% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.55%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 23.55% · Tier avg: 8.85%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.52% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
75
75th pctile
Total Deposits
Current: $269.7M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $305.6M · Tier avg: $217.5M
65
65th pctile
Efficiency Ratio
Current: 60.83% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
58
58th pctile
Total Loans
Current: $144.3M · Tier avg: $139.2M
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
48
48th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
Top Weaknesses
48
48th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
58
58th pctile
Total Loans
Current: $144.3M · Tier avg: $139.2M
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
65
65th pctile
Efficiency Ratio
Current: 60.83% · Tier avg: 67.73%
73
73th pctile
Total Assets
Current: $305.6M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $269.7M · Tier avg: $183.7M
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.52% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.55% · Tier avg: 8.85%