First National Bank of South Carolina
Holly Hill, SC
IDRSSD: 347022
Total Assets
$305.60M
Latest filing
Total Deposits
$269.66M
Latest filing
Net Interest Margin
3.84%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of South Carolina
801 Gilway St
Holly Hill, SC 29059
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/15/1905FDIC Certificate 1387
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of South Carolina (Main) | 801 Gilway St | Holly Hill, SC |
| EUTAWVILLE BRANCH | 12181 Old Number Six Hwy | Eutawville, SC |
| HARLEYVILLE BRANCH | 143 W Main St | Harleyville, SC |
| SUMMERVILLE BRANCH | 415 N Main St | Summerville, SC |
| BOONE HILL BRANCH | 1400 Boone Hill Rd | Summerville, SC |
| RIDGEVILLE BRANCH | 173 Church St | Ridgeville, SC |
| SANGAREE / NEXTON BRANCH | 1710 N Main St | Summerville, SC |
| GOOSE CREEK BRANCH | 106 Thomason Blvd | Goose Creek, SC |
Showing 7 of 7
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 | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/15/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29059 |
| State and County Number | 45075 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Orangeburg, SC |
Operational Info
| Number of Employees | 64 |
| Domestic Offices | 8 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbsc.com |
| Data Updated | 01/30/2026 |
| CERT | 2107 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $305.60M |
| Total Deposits | $269.66M |
| Total Liabilities | $271.79M |
| Total Equity Capital | $33.81M |
| Net Income | $1.06M |
| Net Loans and Leases | $144.32M |
| Assets Per Employee ($Millions) | $5.09M |
| Bank Premises and Fixed Assets | $6.71M |
| Cash and Balances due from Depository Institutions | $56.49M |
| Deposits Held in Domestic Offices | $269.66M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 12.75% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 61.03% |
| Tier 1 Risk-Based Capital Ratio | 23.555% |
| 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 | 11.062% |
| Earning Assets to total Assets | 95.76% |
Income and Expense
| Total Interest Income | $3.40M |
| Total Noninterest Income | $543.00k |
| Total Interest Expense | $588.00k |
| Total Noninterest Expense | $2.05M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $9.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $284.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $828.00k |
| All Other Liabilities | $1.30M |
| Total Liabilities and Capital | $305.60M |
Securities
| Securities | $94.88M |
| Available-for-sale debt securities | $94.88M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of South Carolina?
$305.60M as of the latest filing.
How much are First National Bank of South Carolina's total deposits?
$269.66M in total deposits.
Where is First National Bank of South Carolina located?
Holly Hill, SC.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
8.
When was it established?
09/15/1905.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$144.32M (latest filing).
What is the total interest income (latest filing)?
$3.40M.