The catalogue › United States › Southeast › South Carolina
The state note · prepared 3 November 2026

South Carolina

44 banks and 45 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

44 banks filing · read from the 30 June 2026 Call Report
44
banks filing
$65.7B in assets
+5.9%
Loans, year over year
median; 13 above 10%, 7 shrinking
26.9%
CRE / loans
median
79.0%
Loans / deposits
median
0.28%
NPA / loans
median
9.9%
Equity / assets
median

South Carolina's 44 banks hold $65.7B in assets at 30 June 2026. United Community Bank is the largest at $29.0B, and the five largest hold 62% of the total; 14 institutions are above $1B, holding $54.0B.

Loans grew a median +5.9% in the year to 30 June 2026: 13 institutions grew faster than 10% and 7 shrank. The median bank lends 79% of its deposits and holds commercial real estate at 26.9% of loans. Nonperforming loans sit at a median 0.28% of the book, return on assets at 1.08%, and equity at 9.9% of assets.

10 of the 44 are in the catalogue, each read from its own filing beside the banks its size in the state: United Community Bank, Southern First Bank, Coastal States Bank, First Community Bank, Anderson Brothers Bank, Conway National Bank, South Atlantic Bank, Beacon Community Bank, Carolina Bank & Trust Co., Arthur State Bank.

Who holds the state's assetseach institution's share of the $65.7B the state's 44 hold; the largest first, amber in the catalogue
United Community Bank: 44.1%UC44%Southern First Bank: 7.2%SF7%Coastal States Bank: 3.7%CSFirst Community Bank: 3.6%FCAnderson Brothers Bank: 3.6%ABConway National Bank: 3.0%South Atlantic Bank: 3.0%Bank of Travelers Rest: 2.4%Security Federal Bank: 2.3%Coastal Carolina National Bank: 2.1%34 others 25%UCUnited Community Bank44.1%SFSouthern First Bank7.2%CSCoastal States Bank3.7%FCFirst Community Bank3.6%ABAnderson Brothers Bank3.6%CNConway National Bank3.0%SASouth Atlantic Bank3.0%BoBank of Travelers Rest2.4%SFSecurity Federal Bank2.3%CCCoastal Carolina Nati…2.1%

United Community Bank holds 44.1% of the state's bank assets; the five largest hold 62%, and 14 of the 44 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestUnited Community Bank: 44% of the totalThe five largest62% of the totalThe ten largest75% of the totalGINI0.70 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 62% of the assets in 11% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end25.5%$11.5BNonfarm nonresidential, non-owner-occupied19.1%$8.6BNonfarm nonresidential, owner-occupied18.1%$8.2BCommercial & industrial14.4%$6.5BConstruction & land8.6%$3.9BHome equity lines6.2%$2.8BMultifamily3.0%$1.3BConsumer, other2.0%$892MAuto1.4%$636MOther loans and leases0.6%$275MFarmland0.5%$233MStates & municipalities0.4%$199MAgricultural production0.1%$31MCredit card0.1%$24M

1-4 family residential, closed-end is the largest category at 25.5% of the state's $45.2B in loans, then Nonfarm nonresidential, non-owner-occupied at 19.1% and Nonfarm nonresidential, owner-occupied at 18.1%.

Loans, year over yearSouth Carolina banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 44 · amber, in the catalogue
state median +5.9% FC First Community Bank +25.1% SB Southern Bank +25.0% FC First Capital Bank +22.0% OB Optus Bank +17.3% Bo Bank of the Lowcountry +14.0% AB Anderson Brothers Bank +13.7% KF Kingstree Federal Savings & Loan … +12.7% CC Coastal Carolina National Bank +12.1% PS Palmetto State Bank +12.0% AF Abbeville First Bank SSB +11.6% EB Enterprise Bank of South Carolina +11.2% CS Coastal States Bank +11.1% Bo Bank of Clarendon +10.5% PB Peoples Bank +9.9% BC Beacon Community Bank +9.3% Bo Bank of Greeleyville +9.1% PS Pickens Savings & Loan Associatio… +8.4% SA South Atlantic Bank +7.6% SF Southern First Bank +7.5% CB Citizens Bank +7.1% CB Commercial Bank +6.8% AS Arthur State Bank +6.0% BR Blue Ridge Bank +5.7% PD Pee Dee Federal Savings Bank +5.5% UC United Community Bank +5.4%

First Community Bank grew fastest at +25.1%; 13 grew faster than 10% and 7 shrank, 1st FSB of South Carolina Inc the most at -2.3%. The median is +5.9%.

Commercial real estate, share of loansSouth Carolina banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 44 · amber, in the catalogue
state median 26.9% FM Farmers & Merchants Bank of South… 49.7% FC First Community Bank 47.1% SB Southern Bank 42.7% SA South Atlantic Bank 42.7% PB Peoples Bank 39.6% FC First Capital Bank 38.6% SF Security Federal Bank 37.2% FP First Palmetto Bank 37.0% CC Coastal Carolina National Bank 36.2% CS Coastal States Bank 35.3% AB Anderson Brothers Bank 34.0% Bo Bank of the Lowcountry 33.5% FR First Reliance Bank 31.4% CN Conway National Bank 31.2% Bo Bank of Clarendon 31.2% Bo Bank of York 30.5% UC United Community Bank 30.2% PS Palmetto State Bank 29.0% CB Carolina Bank & Trust Co. 27.6% FN First National Bank of South Caro… 27.6% DC Dedicated Community Bank 27.2% SF Southern First Bank 27.0% Bo Bank of Travelers Rest 26.8% OB Optus Bank 26.4% Bo Bank of South Carolina 26.4%

Farmers & Merchants Bank of South Carolina is the most CRE-weighted at 49.7% of loans; 4 of the 44 are above 40%, against a median of 26.9%.

Commercial real estate against capital, the 300% screenSouth Carolina banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 44 · amber, in the catalogue
state median 131% 300% screen FC First Capital Bank 342% SB Southern Bank 339% SA South Atlantic Bank 334% FC First Community Bank 316% AB Anderson Brothers Bank 268% FP First Palmetto Bank 266% CC Coastal Carolina National Bank 266% Bo Bank of the Lowcountry 254% BC Beacon Community Bank 252% CS Coastal States Bank 238% SF Southern First Bank 236% UC United Community Bank 216% DC Dedicated Community Bank 209% FR First Reliance Bank 206% PB Peoples Bank 178% AS Arthur State Bank 175% KF Kingstree Federal Savings & Loan … 152% Bo Bank of South Carolina 149% SF Security Federal Bank 142% CB Carolina Bank & Trust Co. 139% Bo Bank of Travelers Rest 139% Bo Bank of Clarendon 133% CN Conway National Bank 129% EB Enterprise Bank of South Carolina 126% Bo Bank of Greeleyville 124%

4 of the 44 banks sit above the 300% screen, First Capital Bank the highest at 342% of capital; the median is 131%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenSouth Carolina banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 44 · amber, in the catalogue
state median 46% 100% screen AB Anderson Brothers Bank 155% SA South Atlantic Bank 135% SB Southern Bank 118% AS Arthur State Bank 88% Bo Bank of the Lowcountry 85% Bo Bank of South Carolina 81% FC First Capital Bank 78% FP First Palmetto Bank 75% PB Peoples Bank 71% FC First Community Bank 70% BC Beacon Community Bank 70% CN Conway National Bank 60% CC Coastal Carolina National Bank 57% sF 1st FSB of South Carolina Inc 56% CS Coastal States Bank 56% OB Optus Bank 53% DC Dedicated Community Bank 52% FM Farmers & Merchants Bank of South… 51% SF Southern First Bank 51% UC United Community Bank 48% OF Oconee Federal Savings & Loan Ass… 46% Bo Bank of Travelers Rest 46% SF Security Federal Bank 45% BR Blue Ridge Bank 44% KF Kingstree Federal Savings & Loan … 43%

3 of the 44 banks sit above the 100% construction screen, Anderson Brothers Bank the highest at 155%; the median is 46%.

Loans to depositsSouth Carolina banks, 30 June 2026 · listed highest first · the 25 highest of 44 · amber, in the catalogue
state median 79% FP First Piedmont Federal Savings & … 124% BC Beacon Community Bank 110% SF Southern First Bank 101% FC First Capital Bank 98% HF Home Federal Savings & Loan Assoc… 97% WF Woodruff Federal Savings & Loan A… 95% CS Coastal States Bank 94% CS CBL State Savings Bank 94% SA South Atlantic Bank 92% FR First Reliance Bank 91% AS Arthur State Bank 90% Bo Bank of the Lowcountry 89% AB Anderson Brothers Bank 88% OF Oconee Federal Savings & Loan Ass… 87% sF 1st FSB of South Carolina Inc 87% KF Kingstree Federal Savings & Loan … 86% CB Carolina Bank & Trust Co. 83% UC United Community Bank 83% DC Dedicated Community Bank 83% CC Coastal Carolina National Bank 81% FP First Palmetto Bank 80% AF Abbeville First Bank SSB 80% FC First Community Bank 78% Bo Bank of Greeleyville 76% BR Blue Ridge Bank 75%

3 of the 44 lend more than they hold in deposits, First Piedmont Federal Savings & Loan Association Gaffney the furthest at 124%; the median is 79%.

Nonperforming loans, share of loansSouth Carolina banks, 30 June 2026 · listed highest first · the 25 highest of 44 · amber, in the catalogue
state median 0.28% EB Enterprise Bank of South Carolina 3.64% KF Kingstree Federal Savings & Loan … 2.53% CS Coastal States Bank 0.95% OB Optus Bank 0.94% Bo Bank of York 0.86% SF Security Federal Bank 0.85% AF Abbeville First Bank SSB 0.81% CB Commercial Bank 0.75% FM Farmers & Merchants Bank of South… 0.74% FP First Piedmont Federal Savings & … 0.73% AS Arthur State Bank 0.60% AB Anderson Brothers Bank 0.59% UC United Community Bank 0.51% DC Dedicated Community Bank 0.47% C Countybank 0.44% FN First National Bank of South Caro… 0.43% WF Woodruff Federal Savings & Loan A… 0.42% CB Carolina Bank & Trust Co. 0.41% Bo Bank of Greeleyville 0.38% OF Oconee Federal Savings & Loan Ass… 0.33% Bo Bank of South Carolina 0.29% HF Home Federal Savings & Loan Assoc… 0.28% SF Southern First Bank 0.28% SB Southern Bank 0.28% PD Pee Dee Federal Savings Bank 0.27%

Enterprise Bank of South Carolina carries the most nonperforming loans at 3.64% of the book; 2 of the 44 are above 1%, and the median is 0.28%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%NPA / loansAllowance / loansPDPee Dee Federal Savings Bank+3.85%SSSpratt Savings Bank+2.07%BRBlue Ridge Bank+1.60%PSPalmetto State Bank+1.56%FPFirst Palmetto Bank+1.40%PBPeoples Bank+1.20%BoBank of Travelers Rest+1.19%SFSecurity Federal Bank+1.13%CCCoastal Carolina National Bank+1.12%FCFirst Community Bank+1.12%CNConway National Bank+1.08%CBCitizens Bank+1.07%FRFirst Reliance Bank+1.04%ABAnderson Brothers Bank+1.01%BoBank of Clarendon+1.00%BCBeacon Community Bank+0.98%PSPickens Savings & Loan Associatio…+0.97%HFHome Federal Savings & Loan Assoc…+0.97%CSCBL State Savings Bank+0.94%SASouth Atlantic Bank+0.94%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 44 hold an allowance smaller than their nonperforming loans.

Return on assetsSouth Carolina banks, 30 June 2026 · listed highest first · the 25 highest of 44 · amber, in the catalogue
state median 1.08% EB Enterprise Bank of South Carolina 5.94% FM Farmers & Merchants Bank of South… 1.89% CB Carolina Bank & Trust Co. 1.88% FP First Piedmont Federal Savings & … 1.76% Bo Bank of York 1.73% PB Peoples Bank 1.62% Bo Bank of South Carolina 1.60% Bo Bank of Travelers Rest 1.58% Bo Bank of Clarendon 1.51% AB Anderson Brothers Bank 1.50% CN Conway National Bank 1.43% C Countybank 1.42% Bo Bank of Greeleyville 1.39% UC United Community Bank 1.39% FP First Palmetto Bank 1.36% CB Citizens Bank 1.23% FC First Community Bank 1.20% FR First Reliance Bank 1.20% FN First National Bank of South Caro… 1.17% CS Coastal States Bank 1.16% AS Arthur State Bank 1.13% FC First Capital Bank 1.09% SA South Atlantic Bank 1.07% CC Coastal Carolina National Bank 1.04% PD Pee Dee Federal Savings Bank 0.99%

Enterprise Bank of South Carolina earns the most at 5.94% and Kingstree Federal Savings & Loan Association the least at -0.58%; 7 of the 44 earn under 0.50%, and the median is 1.08%.

The efficiency ratio, with the return beside itSouth Carolina banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 44 · amber, in the catalogue
state median 63.9% EB Enterprise Bank of South Carolina 36.7% ROA 5.94% CB Carolina Bank & Trust Co. 43.2% ROA 1.88% CN Conway National Bank 47.9% ROA 1.43% FM Farmers & Merchants Bank of South… 48.6% ROA 1.89% Bo Bank of York 48.8% ROA 1.73% Bo Bank of Clarendon 53.0% ROA 1.51% FC First Capital Bank 53.3% ROA 1.09% FP First Piedmont Federal Savings & … 53.7% ROA 1.76% FP First Palmetto Bank 54.8% ROA 1.36% OB Optus Bank 55.8% ROA 0.97% Bo Bank of South Carolina 56.2% ROA 1.60% UC United Community Bank 57.0% ROA 1.39% SF Southern First Bank 57.4% ROA 0.93% CS Coastal States Bank 58.8% ROA 1.16% Bo Bank of Travelers Rest 59.0% ROA 1.58% SA South Atlantic Bank 59.2% ROA 1.07% AB Anderson Brothers Bank 59.2% ROA 1.50% CC Coastal Carolina National Bank 59.2% ROA 1.04% OF Oconee Federal Savings & Loan Ass… 61.2% ROA 0.74% FN First National Bank of South Caro… 62.2% ROA 1.17% PB Peoples Bank 62.6% ROA 1.62% FC First Community Bank 63.7% ROA 1.20% CB Citizens Bank 64.1% ROA 1.23% PS Palmetto State Bank 66.0% ROA 0.95% FR First Reliance Bank 66.4% ROA 1.20%

Enterprise Bank of South Carolina runs the leanest at 36.7% of revenue in cost; 8 of the 44 spend more than 80 cents of every revenue dollar, and the median is 63.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
United Community Bank$29.0B+5.4%30.2%83%0.51%1.39%11.8%
Southern First Bank$4.7B+7.5%27.0%101%0.28%0.93%8.7%
Coastal States Bank$2.4B+11.1%35.3%94%0.95%1.16%10.8%
First Community Bank$2.4B+25.1%47.1%78%0.05%1.20%9.9%
Anderson Brothers Bank$2.4B+13.7%34.0%88%0.59%1.50%8.7%
Conway National Bank$2.0B+3.6%31.2%52%0.02%1.43%9.8%
South Atlantic Bank$2.0B+7.6%42.7%92%0.01%1.07%8.6%
Bank of Travelers Rest$1.6B+5.0%26.8%65%0.12%1.58%9.2%
Security Federal Bank$1.5B-1.5%37.2%51%0.85%0.85%9.8%
Coastal Carolina National Bank$1.4B+12.1%36.2%81%0.00%1.04%9.1%
First Capital Bank$1.3B+22.0%38.6%98%0.10%1.09%9.3%
Citizens Bank$1.1B+7.1%19.3%63%0.18%1.23%10.7%
First Reliance Bank$1.1B+4.9%31.4%91%0.07%1.20%10.1%
First Palmetto Bank$1.1B+4.4%37.0%80%0.15%1.36%9.2%
Beacon Community Bank$982M+9.3%26.2%110%0.02%0.48%8.0%
Five years, 2021 to 2026the 44 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$25.6B$45.2B+76%
Deposits, in total$37.8B$55.5B+47%
NPA / loans, median0.35%0.28%-0.08 pts
Efficiency, median70.6%63.9%-6.7 pts
ROA, median0.87%1.08%+0.21 pts

Small-business lending

SBA 7(a) approvals into South Carolina since FY2008, across every lender type

$5.5B of 7(a) credit has been approved into South Carolina since FY2008 across 9,619 loans. Accommodation & food services is the largest category at 29.2%, Retail trade at 11.1%, Health care & social assistance at 9.6%; the three together are 50% of the money. The heaviest losses fall in Transportation & warehousing, at 4.11% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 278 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
LO Live Oak Banking Company 8.7% $479M · 387 loans PB Pinnacle Bank 6.7% $368M · 373 loans TB TD Bank, National Association 6.1% $338M · 1,324 loans UC United Community Bank 4.6% $255M · 282 loans WF Wells Fargo Bank National Associa… 4.1% $225M · 1,024 loans TH The Huntington National Bank 3.5% $190M · 358 loans G Gbank 3.2% $178M · 67 loans C Countybank 3.1% $170M · 186 loans TB Truist Bank 2.6% $145M · 423 loans SB Southstate Bank, National Associa… 2.3% $125M · 207 loans FB First-citizens Bank & Trust Compa… 2.1% $114M · 129 loans Readycap Lending, LLC 2.0% $108M · 210 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services30.8%$1.6B · 1,628 loansRetail trade11.7%$613M · 1,308 loansHealth care & social assistance10.2%$530M · 893 loansManufacturing8.4%$440M · 573 loansOther services7.9%$412M · 947 loansConstruction6.5%$339M · 965 loansProfessional & technical services6.2%$322M · 773 loansWholesale trade4.7%$247M · 368 loansArts, entertainment & recreation4.6%$238M · 350 loansReal estate & leasing3.5%$183M · 256 loansAdministrative & waste services3.0%$158M · 598 loansTransportation & warehousing2.5%$128M · 391 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$1.6B1,62829.2%$26M1.59%
Retail trade$613M1,30811.1%$14M2.35%
Health care & social assistance$530M8939.6%$7M1.26%
Manufacturing$440M5738.0%$15M3.33%
Other services$412M9477.5%$5M1.24%
Construction$339M9656.2%$5M1.52%
Professional & technical services$322M7735.8%$4M1.15%
Wholesale trade$247M3684.5%$2M0.91%
Arts, entertainment & recreation$238M3504.3%$6M2.56%
Real estate & leasing$183M2563.3%$740K0.40%
Administrative & waste services$158M5982.9%$3M2.17%
Transportation & warehousing$128M3912.3%$5M4.11%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Greenville$794M1,531127
Charleston$688M1,263115
Richland$408M80196
Horry$407M67898
Lexington$346M60694
York$341M643101
Beaufort$318M57486
Spartanburg$288M47183
Berkeley$216M38673
Anderson$154M33968

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any South Carolina institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in South Carolina

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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