First Nb of South Carolina
Holly Hill, South Carolina · FDIC Cert #2107
First Nb of South Carolina is an FDIC-insured bank (Certificate #2107) with $284M in total assets and $257M in total deposits as of the Q2 2024 Call Report. Headquartered in Holly Hill, South Carolina, the bank maintains a Tier 1 capital ratio of 21.78% (Well-Capitalized) and a nonperforming loan ratio of 0.70%. BankHealthData assigns a composite Health Grade of A (93/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of South Carolina (FDIC cert 2107) is a community bank — $284M in total assets, $257M in deposits, serving the Holly Hill, South Carolina area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.78% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.70% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 48.8% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.30% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb of South Carolina carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of South Carolina
- Total Assets
- $284M
- Total Deposits
- $257M
- Tier 1 Capital Ratio
- 21.78%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.70%
- Liquidity Ratio
- 48.85%
- Return on Assets
- 1.30%
- Headquarters
- Holly Hill, South Carolina
- FDIC Certificate
- #2107
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of South Carolina holds a Tier 1 capital ratio of 21.78%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of South Carolina has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of South Carolina shows strong financial health indicators. With $284M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of South Carolina Compares
First Nb of South Carolina’s Health Score of 93 is 19 points above the South Carolina state average of 74 across 38 FDIC-insured banks. Its 21.78% Tier 1 capital ratio is 7.8 points above the US banking industry average near 14%. The 0.70% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.30% is in line with or above the national ROA benchmark of ~1.1%. Among 1588 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Nb of South Carolina is 23 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of South Carolina has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 21.78%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of South Carolina's Tier 1 capital ratio of 21.78% and nonperforming loan ratio of 0.70% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of South Carolina is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2107). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of South Carolina holds $284M in total assets and $257M in total deposits. It is headquartered in Holly Hill, South Carolina (FDIC Certificate #2107).
First Nb of South Carolina has a Tier 1 capital ratio of 21.78%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.70%, and the return on assets is 1.30%.
Yes. First Nb of South Carolina is FDIC-insured (Certificate #2107). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of South Carolina's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.