Updated April 2026 · FDIC Call Report Q2 2024
F-Rated Banks in South Carolina
1 banks · Average score: 15/100 · Combined assets $41M
Only one bank in this state currently holds a F grade, with a composite score of 15/100. With a sample of one, individual bank dynamics matter more than tier averages. The tier averages a Tier 1 capital ratio of 0.00% and an NPL ratio of 4.72%, sourced from the most recent FDIC quarterly Call Report.
1 South Carolina banks carry an F grade, averaging 15/100. F-grade banks face significant stress across multiple BankHealth scoring factors and typically draw enhanced FDIC and state-regulator attention.
State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks South Carolina F-grade banks by health score with links to each bank's full profile.
What "F" Means in Practice
F-graded banks in South Carolina are showing severe stress — composite scores below 35. Currently 1 banks land in this tier. F grades typically combine multiple critical signals: sub-floor capital ratios, NPL above 3–5%, persistent losses, or material liquidity constraint. FDIC insurance still protects deposits up to the $250,000 limit per depositor, per insured bank, per ownership category — but depositors at F-graded banks should verify their coverage at FDIC.gov directly.
For depositors: F-graded institutions are showing severe stress signals. FDIC insurance continues to protect deposits up to $250,000 per depositor, per insured bank, per ownership category, even if a bank were to fail. Verify your specific coverage at FDIC.gov directly, particularly if you hold combined balances above the $250,000 limit. Account titling changes can extend coverage across multiple ownership categories.
Tier-Wide Snapshot in South Carolina
| Banks in this grade tier | 1 |
| Combined assets | $41M |
| Average composite score | 15/100 |
| Average Tier 1 capital ratio | 0.00% |
| Average NPL ratio | 4.72% |
All F-Graded Banks in South Carolina
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Kingstree Fs&La | Kingstree | 15 | $41M | 0.00% | 4.72% | 18.72% |
For Depositors at F-Graded Banks
FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.
For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.
How These Grades Are Calculated
Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
What does a F grade mean for a bank?
F-graded banks in South Carolina are showing severe stress — composite scores below 35. Currently 1 banks land in this tier. F grades typically combine multiple critical signals: sub-floor capital ratios, NPL above 3–5%, persistent losses, or material liquidity constraint. FDIC insurance still protects deposits up to the $250,000 limit per depositor, per insured bank, per ownership category — but depositors at F-graded banks should verify their coverage at FDIC.gov directly.
How many F-graded banks are in South Carolina?
Only one bank in this state currently holds a F grade, with a composite score of 15/100. With a sample of one, individual bank dynamics matter more than tier averages.
What does this tier look like financially?
Across 1 F-graded banks in South Carolina, the average Tier 1 capital ratio is 0.00% and the average nonperforming-loan ratio is 4.72%. Combined assets in this cohort total $41M. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at F-graded banks still FDIC-insured?
For depositors: F-graded institutions are showing severe stress signals. FDIC insurance continues to protect deposits up to $250,000 per depositor, per insured bank, per ownership category, even if a bank were to fail. Verify your specific coverage at FDIC.gov directly, particularly if you hold combined balances above the $250,000 limit. Account titling changes can extend coverage across multiple ownership categories.
Where does this data come from?
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 FDIC and FFIEC 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 · 1 F-graded banks in South Carolina. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.