BlastPoint's Banking Scorecard
1st Federal Savings Bank of SC, Inc.
Micro
Specialty: Mortgage
SC
FDIC cert 31410
Designations: ✓ Community bank
Walterboro, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
1st Federal Savings Bank of SC, Inc. demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$141.8M
-2.2% YoY
-4.2% QoQ
|
-$75.7M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$115.0M
-2.9% YoY
-1.3% QoQ
|
-$24.2M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$126.0M
+2.1% YoY
-4.6% QoQ
|
-$57.6M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.55%
+11.3% YoY
+0.5% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.21%
+29.8% YoY
+1.9% QoQ
|
+0.35% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
83.93%
+25.9% YoY
+0.9% QoQ
|
+16.21% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
91.26%
-4.9% YoY
+3.4% QoQ
|
+16.73% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
20.03%
+7.5% YoY
-0.8% QoQ
|
-2.36% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.65%
+13.5% YoY
+3.1% QoQ
|
+9.80% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.46%
-76.9% YoY
+36.7% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.65% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
48
48th pctile
Total Loans
Current: $115.0M · Tier avg: $139.2M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
38
38th pctile
Total Deposits
Current: $126.0M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $141.8M · Tier avg: $217.5M
21
21th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.26% · Tier avg: 74.53%
14
14th pctile
Efficiency Ratio
Current: 83.93% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 83.93% · Tier avg: 67.73%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.26% · Tier avg: 74.53%
21
21th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
35
35th pctile
Total Assets
Current: $141.8M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $126.0M · Tier avg: $183.7M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
48
48th pctile
Total Loans
Current: $115.0M · Tier avg: $139.2M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.65% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%