First National Bank of South Carolina: how it compares with its peers
Against 14 SC banks with half to twice its assets, First National Bank of South Carolina's strongest measure in Q2 2026 is efficiency ratio (62.19% vs. a 64.32% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.48% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 4.03% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.19% | 64.32% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.4M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.50% | 71.45% | Context |
What it means for lending operations
Its efficiency ratio of 62.19% is better than the 64.32% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of York York, SC · $318M
- The Commercial Bank Honea Path, SC · $284M
- Southern Bank Spartanburg, SC · $408M
- Farmers and Merchants Bank of South Carolina Holly Hill, SC · $414M
- Blue Ridge Bank Walhalla, SC · $199M
- CBL State Savings Bank Greer, SC · $191M
Questions about First National Bank of South Carolina
How big is First National Bank of South Carolina?
First National Bank of South Carolina, established in 1905, is headquartered in Holly Hill, SC. It reported $310M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First National Bank of South Carolina's return on assets?
1.19% annualized in Q2 2026, against a 1.48% median for 14 SC banks with half to twice its assets, ahead of 43% of them.
What is First National Bank of South Carolina's efficiency ratio?
62.19% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 64.32%, and lower is better.
Is First National Bank of South Carolina growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits shrank 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.