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1St Federal Savings Bank Of Sc, Inc.
Walterboro, SC · FDIC Certificate #31410 · Chartered 01/0
Total assets
$151.55M
Total deposits
$134.34M
Total equity
$13.55M
Net loans
$115.67M
Branches (offices)
2
Net income (YTD)
$451.00K
Rank: #3,295 of 4,213 U.S. banks by assets · #36 of 43 in South Carolina. Assets changed -1.2% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 6.75% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 8.94% |
| Tier 1 leverage ratio | 9.68% |
| Uninsured deposits (share of deposits) | 18.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 99.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.12M | 99.5% | |
| Commercial & industrial | $25.00K | 0.0% | |
| Consumer / individual | $1.40M | 1.2% | |
| Construction & development | $8.59M | 7.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.56M | $129.93M | $92.00K | $9.41M |
| Jun 2023 | $152.06M | $131.63M | $359.00K | $9.98M |
| Jun 2024 | $165.29M | $133.32M | $228.00K | $11.01M |
| Jun 2025 | $153.39M | $133.92M | $369.00K | $12.57M |
| Jun 2026 | $151.55M | $134.34M | $451.00K | $13.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $134.34M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.34M.
Similar-sized banks
Agility Bank, National Association ($151.64M) · Independent Correspondent Bankers' Bank, Inc. ($151.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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