First National Bank of South Carolina

Overview / Commentary

www.fnbsc.com

803-496-5011

801 Gilway Avenue
Holly Hill, SC 29059

First National Bank of South Carolina is headquartered in Holly Hill and is the 32^nd largest bank in the state of South Carolina. It is also the 2,594^th largest bank in the nation. It was established in 1905 and as of June of 2022, it had grown to 55 employees at 8 locations. First National Bank of South Carolina has a B+ health rating.

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Health

B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	2107
Year Established	1905
Employees	55
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	5.29%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$277.6MM$259.0MM
Loans	Q2 2022vs Q2 2021	$96.5MM$92.6MM
Deposits	Q2 2022vs Q2 2021	$257.2MM$222.7MM
Equity Capital	Q2 2022vs Q2 2021	$19.6MM$26.1MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$1.7MM$1.7MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$557.00K$593.00K
Real Estate Owned	Q2 2022vs Q2 2021	$385.00K$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
0.20%	$500	-	18 – 23 Month CD
0.20%	$500	-	18 – 23 Month Business CD
0.15%	$500	-	366 – 999 Day CD
0.15%	$500	-	12 Month CD
0.15%	$500	-	13 – 17 Month CD
0.10%	$500	-	1 – 5 Month CD
0.10%	$500	-	6 – 11 Month CD
0.10%	$500	-	7 – 365 Day CD
0.10%	$500	-	1 – 5 Month Business CD
0.10%	$500	-	6 – 11 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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