🏦Bank Scorer

FARMERS AND MERCHANTS BANK OF SOUTH CAROLINA

HOLLY HILL, SC · Supervised by FDIC

Est. 1912FDIC #1,660RSSD: FDIC-1660
Part ofFMB OF S C BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

8624 Old State Rd, HOLLY HILL, SC

County

Orangeburg County

Established

January 3, 1912

Total Assets

$476M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$476M

Total Deposits

$414M

Net Loans

$123M

Net Income

$2M

ROA

2.02%

ROE

16.36%

Risk-Based Capital

42.61%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.00%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$355M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242588%12.00%
20233375.76%15.15%
20194573.33%26.67%
20185474.07%22.22%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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