1st Federal Savings Bank of SC, Inc.
Walterboro, SC · Cert 31410 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Carolina Bancshares M H C
SL · FDIC · 2 branches
Q2 2026
$151.6MAssets
$116.6MLoans
$134.3MDeposits
$13.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: efficiency ratio trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.60%
Rank 609 of 746
Net Interest Margin
4.08%
Rank 215 of 746
Efficiency Ratio
81.11%
Rank 632 of 746
Equity / Assets
8.94%
Rank 553 of 746
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 18% | 609 / 746 | |
| Return on Equity | 6.66% | 6.74% | 10.51% | 13.63% | Beats 24% | 564 / 746 | |
| Net Interest Margin | 4.08% | 3.17% | 3.68% | 4.16% | Beats 71% | 215 / 746 | |
| Efficiency Ratio | 81.11% | 55.74% | 64.58% | 75.47% | Beats 15% | 632 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 328 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.20% | 11.55% | 13.75% | 17.60% | Beats 81% | 145 / 746 | |
| Total Risk-Based Capital Ratio | 20.45% | 11.71% | 14.33% | 18.43% | Beats 82% | 135 / 746 | |
| Equity / Assets | 8.94% | 8.90% | 10.51% | 13.06% | Beats 26% | 553 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 86.80% | 61.31% | 78.27% | 90.78% | 68th pctl | 238 / 746 | |
| Loans / Assets | 76.94% | 53.60% | 66.97% | 76.08% | 78th pctl | 164 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |