First National Bank of South Carolina

Headquarters: Holly Hill, South Carolina
Charter: Bank
Assets: $309.7M
Fed district: Richmond
Regulator: OCC
Holding company: Fnb Corp.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for First National Bank of South Carolina at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First National Bank of South Carolina's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of South Carolina (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $168K in Q2 2026, 11% above the same quarter a year earlier ($151K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
First Secure Checking
First National Bank of South Carolina: $4.95
First National Bank of South Carolina: $4.95
U.S. median: no median
Overdraft (OD)
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median
NSF / Returned Item
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $168K.

Service-charge income, Q2 2026

$168K

$167KQ3 2025

$163KQ4 2025

$169KQ1 2026

$168KQ2 2026

Against the median

First National Bank of South CarolinaMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First National Bank of South Carolina · $310M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$301M to $318M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of South Carolina(this institution)	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Coushatta	Coushatta, LA	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Independent Bank	Saint Louis Park, MN	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank	Longview, TX	$315M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Profile Bank	Rochester, NH	$317M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seneca Savings Bank, National Association	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sewickley Savings Bank	Sewickley, PA	$316M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The National Iron Bank	Salisbury, CT	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.55 (34%) below the median of similar-sized banks.

Its published price is $4.95, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of So…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First National Bank of South Carolina (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $168K
vs prior quarter: −$1K−0.6%; from Q1 2026
vs a year earlier: +$17K+11.3%; from Q2 2025
vs start of range: −$6K−3.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of South Carolina (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$168K	−$1K	−0.6%
Q1 2026	$169K	+$6K	+3.7%
Q4 2025	$163K	−$4K	−2.4%
Q3 2025	$167K	+$16K	+10.6%
Q2 2025	$151K	−$11K	−6.8%
Q1 2025	$162K	$0	0.0%
Q4 2024	$162K	−$12K	−6.9%
Q3 2024	$174K	+$15K	+9.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First National Bank of South Carolina’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$4.95
per month
Maintenance fee (balance falls below $7,500)$4.95
per month
Account Closing within 90 days$20
Christmas Club account closing before maturity$10
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)$20
Roo Crew's Savings Account closing within six months$20
Dormant account monthly Fee$7
per month
Research or Balancing Service - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Research or Balancing Service - per hour | $25.00

Overdraft & NSF

Overdraft Fee per item$34
per item
Non-sufficient Funds (NSF) per item$34
per item

ATM & Card

Replace Debit Card or Pin (after first)$15
Replace Debit Card or Pin (first time)$10

Wire Transfers

Wire Transfers – outgoing for customer$30
Wire Transfers – incoming for customer$20
Wire Transfers – incoming for non-customer$35
Wire Transfers – International$60

Check Services

Cashier’s Checks – customer$6
Cashier’s Checks – non-customer$20
Money Orders – customer$4
Money Orders – non-customer$8
Stop Payments$35
Copies of checks, deposits or statements$5

Cash & Deposit

Chargeback of Return Items$15
Chargeback of Return Items (special)$16

Account Services

Tax Levies$110

Retirement & IRA

IRA Transfer Fee$30

Other Fees

Photocopies$0.35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$4.95	per month	None
Maintenance fee (balance falls below $7,500)	$4.95	per month	None
Account Closing within 90 days	$20	Not stated	None
Christmas Club account closing before maturity	$10	Not stated	None
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)	$20	Not stated	None
Roo Crew's Savings Account closing within six months	$20	Not stated	None
Dormant account monthly Fee	$7	per month	None
Research or Balancing Service - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Research or Balancing Service - per hour \| $25.00
Overdraft & NSF
Overdraft Fee per item	$34	per item	None
Non-sufficient Funds (NSF) per item	$34	per item	None
ATM & Card
Replace Debit Card or Pin (after first)	$15	Not stated	None
Replace Debit Card or Pin (first time)	$10	Not stated	None
Wire Transfers
Wire Transfers – outgoing for customer	$30	Not stated	None
Wire Transfers – incoming for customer	$20	Not stated	None
Wire Transfers – incoming for non-customer	$35	Not stated	None
Wire Transfers – International	$60	Not stated	None
Check Services
Cashier’s Checks – customer	$6	Not stated	None
Cashier’s Checks – non-customer	$20	Not stated	None
Money Orders – customer	$4	Not stated	None
Money Orders – non-customer	$8	Not stated	None
Stop Payments	$35	Not stated	None
Copies of checks, deposits or statements	$5	Not stated	None
Cash & Deposit
Chargeback of Return Items	$15	Not stated	None
Chargeback of Return Items (special)	$16	Not stated	None
Account Services
Tax Levies	$110	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Other Fees
Photocopies	$0.35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First National Bank of South Carolina operates, and what regulators and customers have on file.

Market position

In Charleston-North Charleston, SC, First National Bank of South Carolina holds 0.8% of bank deposits, #20 of 37, with 6 offices.

Compare fees with the 36 Charleston-North Charleston, SC banks and credit unions in its home-metro peer set →

Offices in the metro

250 offices of 50 institutions shown.

First National Bank of South CarolinaOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Charleston-North Charleston, SC metro (FDIC metro code 16700), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Wells Fargo Bank, National Association20.0%
2Bank of America, National Association14.0%
3SouthState Bank, National Association12.3%
4Pinnacle Bank9.2%
5First-Citizens Bank & Trust Company6.6%
6Truist Bank6.4%
7First Capital Bank3.9%
8Southern First Bank3.3%
20First National Bank of South Carolina0.8%

9 of 37 institutions shown. $25.6B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Charleston-North Charleston, SC metro (FDIC metro code 16700)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.8% share, 6 offices, #20 of 37

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Charleston-North Charleston, SC metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

46 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Formal AgreementSeptember 21, 1992
OCC. Ended February 2, 1995

Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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