1st Federal Savings Bank of SC, Inc.
Walterboro, SC
IDRSSD: 535575
Total Assets
$147.97M
Latest filing
Total Deposits
$132.12M
Latest filing
Net Interest Margin
4.36%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
1st Federal Savings Bank of SC, Inc.
300 Robertson Blvd
Walterboro, SC 29488
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1962FDIC Certificate 44244
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 1st Federal Savings Bank of SC, Inc. (Main) | 300 Robertson Blvd | Walterboro, SC |
| EDISTO ISLAND BRANCH | 428 Highway 174 | Edisto Island, SC |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1962 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29488 |
| State and County Number | 45029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.1stfederalofsc.com |
| Data Updated | 11/14/2025 |
| CERT | 31410 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $147.97M |
| Total Deposits | $132.12M |
| Total Liabilities | $134.99M |
| Total Equity Capital | $12.98M |
| Net Income | $250.00k |
| Net Loans and Leases | $116.57M |
| Assets Per Employee ($Millions) | $6.43M |
| Bank Premises and Fixed Assets | $3.88M |
| Cash and Balances due from Depository Institutions | $11.80M |
| Deposits Held in Domestic Offices | $132.12M |
Key Performance Ratios
| Return on Assets (ROA) | 0.66% |
| Return on Equity (ROE) | 7.83% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 80.44% |
| Tier 1 Risk-Based Capital Ratio | 18.091% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.775% |
| Earning Assets to total Assets | 95.02% |
Income and Expense
| Total Interest Income | $1.92M |
| Total Noninterest Income | $163.00k |
| Total Interest Expense | $359.00k |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $1.56M |
| Pre-tax Net Operating Income | $332.00k |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.15M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $714.00k |
| Total Liabilities and Capital | $147.97M |
Securities
| Securities | $13.78M |
| Available-for-sale debt securities | $13.78M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st Federal Savings Bank of SC, Inc.?
$147.97M as of the latest filing.
How much are 1st Federal Savings Bank of SC, Inc.'s total deposits?
$132.12M in total deposits.
Where is 1st Federal Savings Bank of SC, Inc. located?
Walterboro, SC.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1962.
What is the Return on Assets (ROA)?
0.66%.
How much are total loans and leases?
$116.57M (latest filing).
What is the total interest income (latest filing)?
$1.92M.