First National Bank of South Carolina

Overview / Commentary

www.fnbsc.com

800-333-6896

801 Gilway Avenue
Holly Hill, SC 29059

First National Bank of South Carolina is headquartered in Holly Hill and is the 29^th largest bank in the state of South Carolina. It is also the 2,753^rd largest bank in the nation. It was established in 1905 and as of December of 2020, it had grown to 59 employees at 8 locations. First National Bank of South Carolina has an A health rating.

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Health

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	2107
Year Established	1905
Employees	59
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	4.03%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$240.5MM$200.5MM
Loans	Q4 2020vs Q4 2019	$96.3MM$79.2MM
Deposits	Q4 2020vs Q4 2019	$202.4MM$167.0MM
Equity Capital	Q4 2020vs Q4 2019	$26.8MM$25.8MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$1.7MM$1.7MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$874.00K$1.0MM
Real Estate Owned	Q4 2020vs Q4 2019	$625.00K$625.00K

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of South Carolina Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Health Savings Account
0.50%	-	-	Business Health Savings Account
0.25%	-	-	Moola Moola Savings Account
0.25%	$5	-	Christmas Club Account
0.05%	-	-	Regular Savings Account
0.05%	-	-	Regular Business Savings Account

First National Bank of South Carolina Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k
0.15%^*	$25k^*	-	Business Money Market Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k

First National Bank of South Carolina Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$25k^*	-	Golden Secure Checking
OTHER TIERS: 0.05% → Up to $25k
0.25%^*	$25k^*	-	Priority One Checking
OTHER TIERS: 0.05% → Up to $25k

First National Bank of South Carolina CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$2.5k	-	12 Month Golden Opportunity CD
0.30%	$2.5k	-	12 Month Golden Opportunity Business CD
0.25%	$500	-	18 – 23 Month CD
0.25%	$500	-	18 – 23 Month Business CD
0.20%	$500	-	366 – 999 Day CD
0.20%	$500	-	12 Month CD
0.20%	$500	-	13 – 17 Month CD
0.15%	$500	-	6 – 11 Month CD
0.15%	$500	-	6 – 11 Month Business CD
0.10%	$500	-	1 – 5 Month CD
0.10%	$500	-	7 – 365 Day CD
0.10%	$500	-	1 – 5 Month Business CD

First National Bank of South Carolina IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.26%	$100	-	12 Month Variable IRA
0.26%	$100	-	18 Month Variable IRA
0.25%	$100	-	12 Month Fixed IRA
0.25%	$100	-	18 Month Fixed IRA

Locations

First National Bank of South Carolina Locations
Goose Creek Branch	106 Thomason Boulevard	Goose Creek, SC 29445
Eutawville Branch	12181 Old Number Six Highway	Eutawville, SC 29048
Boone Hill Branch	1400 Boonehill Road	Summerville, SC 29483
Harleyville Branch	143 West Main Street	Harleyville, SC 29448
Sangaree Branch	1710 North Main Street	Summerville, SC 29485
Ridgeville Branch	173 Church Street	Ridgeville, SC 29472
Summerville Branch	415 North Main Street	Summerville, SC 29483
First National Bank Of South Carolina	801 Gilway & Industrial Road	Holly Hill, SC 29059

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