B
First National Bank of South Carolina
Rating Date
October 2025
Risk Based
Capital Ratio
23.67
Leverage
Ratio
11.96
Return On
Assets
1.25%
Total
Assets
307.15M
Capital
32.58M
Total
Deposits
271.81M
Net
Income
2.79M
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Weiss Ratings First National Bank of South Carolina
Holly Hill, SC 		Click to
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Rating B
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 4.30
Profitability Index 6.70
Stability Index 6.20
Company Info First National Bank of South Carolina
Holly Hill, SC 		Click to
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FDIC Number 2107
Phone Number (803) 496-5011
Website www.fnbsc.com
Asset Quality First National Bank of South Carolina
Holly Hill, SC 		Click to
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1-Year Asset Growth 6.73%
5-Year Asset Growth 8.70%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.43%
Non-Performing Loans to Capital 2.41%
Non-Performing Loans to Loans 0.62%
Balance Sheet First National Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 307.15M
Total Deposits 271.81M
Capital and Reserves First National Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 32.58M
Leverage Ratio 11.96
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 23.67
Liquidity First National Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 14.20%
Liquidity Ratio 45.71%
Profitability First National Bank of South Carolina
Holly Hill, SC 		Click to
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5-Year Return on Average Assets 0.79%
Net Income 2.79M
Net Interest Spread 3.75%
Operating Profit to Average Assets 1.68%
Overhead Efficiency Ratio 60.76%
Return on Assets 1.25%
Return on Equity 12.43%