Compared with South Carolina
13 of 18
compared fees are above the median.
4 below, 1 about the same.
About the same: within 1% of the median.
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
88th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the South Carolina median
of 18 compared; 4 below, 1 about the same
See the feesFee schedule read Nov 1, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the South Carolina median | Published fees above the South Carolina 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
Service charges were 5.1% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (88th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
13 of 18 compared published fees sit above the South Carolina median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with South Carolina medians for fees published by banks and credit unions.
Monthly Maintenance
First Secure Checking
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $168K. Its share of revenue, 5.1%, is above the 2.1% median for banks with $300M to $1B in assets.
$168K
First National Bank of South CarolinaMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for First National Bank of South Carolina (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First National Bank of South Carolina left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank of South Carolina by share.
Amounts from First National Bank of South Carolina’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Research or Balancing Service - per hour | $25.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee (balance falls below $7,500) | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing within 90 days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Christmas Club account closing before maturity | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Roo Crew's Savings Account closing within six months | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account monthly Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient Funds (NSF) per item | $34Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replace Debit Card or Pin (after first) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace Debit Card or Pin (first time) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers – outgoing for customer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers – incoming for customer | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers – incoming for non-customer | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers – International | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks – customer | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Checks – non-customer | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders – customer | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders – non-customer | $8Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copies of checks, deposits or statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback of Return Items | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Chargeback of Return Items (special) | $16Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Tax Levies | $110Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.35Below the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where First National Bank of South Carolina operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $271.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $197.6M | |
| Outside a metro area | 2 | $74.0M |
Charleston-North Charleston, SC
0.8% of bank deposits, #20 of 37, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 20% |
| Bank of America, National Association | 14% |
| SouthState Bank, National Association | 12.3% |
| Pinnacle Bank | 9.2% |
| First-Citizens Bank & Trust Company | 6.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Charleston-North Charleston, SC, First National Bank of South Carolina holds 0.8% of bank deposits, #20 of 37, with 6 offices.
250 offices of 50 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $25.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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
OCC. Ended February 2, 1995
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 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
We check once a day and send one email covering every change.