Updated April 2026 · FDIC Call Report Q2 2024
Banks in South Carolina
38 FDIC-insured banks are chartered in South Carolina, holding $27.7B in combined assets. The state-wide average Bank Health Score is 74/100 (B), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Across South Carolina, 38 FDIC-insured banks hold $27.7B in total assets. Average BankHealth composite score: 74/100 (average grade B). Moderate state-level scores typically reflect a healthy mix with some banks under pressure.
Top bank by assets: Bank of York. 10 banks in South Carolina flagged as at-risk; the state-level rollup reflects average performance across the cohort. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
South Carolina's Banking Sector
South Carolina has a moderately sized banking footprint of 38 FDIC-insured banks and $27.7B in combined assets. At this scale, the cohort generally combines a handful of larger regional banks with a longer tail of community banks concentrated in one or two metro areas.
Banks in South Carolina post an average Bank Health Score of 74/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
10 of 38 banks in South Carolina (about 26%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure.
Healthiest Banks in South Carolina
Bank of York
Bank of Travelers Rest
Conway National Bank
Pee Dee Federal Savings Bank
Optus Bank
Farmers&Merchants Bank of Sc
Palmetto State Bank
First Nb of South Carolina
Pickens Savings&Loan Assn Fa
Countybank
Banks Showing Weakness in South Carolina
Kingstree Fs&La
Home Fs&La
First Piedmont Fs&la Gaffney
Community First Bank INC
Beacon Community Bank
Woodruff Fs&La
Spratt Savings Bank
Cbl State Savings Bank
Abbeville First Bank SSB
Southern First Bank
For South Carolina Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in South Carolina?
38 FDIC-insured banks are chartered in South Carolina, holding $27.7B in combined assets. South Carolina has a moderately sized banking footprint of 38 FDIC-insured banks and $27.7B in combined assets. At this scale, the cohort generally combines a handful of larger regional banks with a longer tail of community banks concentrated in one or two metro areas.
What is the average bank health score in South Carolina?
Banks in South Carolina post an average Bank Health Score of 74/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
Which banks in South Carolina are showing the most stress?
10 of 38 banks in South Carolina (about 26%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in South Carolina FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 38 South Carolina banks. Informational only; not investment advice.