🏦Bank Scorer

FIRST NATIONAL BANK OF SOUTH CAROLINA

HOLLY HILL, SC · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1905FDIC #2,107
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.15%

Is this bank safe?

FIRST NATIONAL BANK OF SOUTH CAROLINA holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.15%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

801 Gilway St, HOLLY HILL, SC

County

Orangeburg County

Established

September 15, 1905

Total Assets

$310M(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

October 7, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$310M

Total Deposits

$274M

Net Loans

$145M

Net Income

$883K

ROA

1.15%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.35%

Risk-Based Capital

25.24%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.15%Peer avg: 0.44%▲ Above avg
Risk-Based Capital25.24%Peer avg: 23.03%▲ Above avg
Mortgage Denial Rate0.00%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$274M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202432100%0.00%
202335100%0.00%
20193497.06%2.94%
201829100%0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Oct 2024SatisfactorySmall Bank
Sep 2021SatisfactorySmall Bank
Aug 2017SatisfactorySmall Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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