1st Federal Savings Bank of SC, Inc.

Headquarters: Walterboro, South Carolina
Charter: Bank
Assets: $151.6M
Fed district: Richmond
Regulator: FDIC
Holding company: First Carolina Bancshares M H C

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

Source: its fee schedule, read Oct 9, 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 Oct 9, 2026

How these figures are measured

Call-report figures are for 1st Federal Savings Bank of SC, Inc. 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.	1st Federal Savings Bank of SC, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: 1st Federal Savings Bank of SC, Inc. (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 $97K in Q2 2026, 2.0% below the same quarter a year earlier ($99K).
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.

Overdraft (OD)
1st Federal Savings Bank of SC, Inc.: $30
1st Federal Savings Bank of SC, Inc.: $30
U.S. median: no median
NSF / Returned Item
1st Federal Savings Bank of SC, Inc.: $30
1st Federal Savings Bank of SC, Inc.: $30
U.S. median: no median
Wire Transfer (Domestic Out)
1st Federal Savings Bank of SC, Inc.: $20
1st Federal Savings Bank of SC, Inc.: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 fell 6.7% from Q3 2025 to Q2 2026, to $97K.

Service-charge income, Q2 2026

$97K

$104KQ3 2025

$111KQ4 2025

$102KQ1 2026

$97KQ2 2026

Against the median

1st Federal Savings Bank of SC, Inc.Median

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

1st Federal Savings Bank of SC, Inc. · $152M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$147M to $156M in assets
Headquartered in 16 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
1st Federal Savings Bank of SC, Inc.(this institution)	Walterboro, SC	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Pensacola	Pensacola, FL	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Salem	Salem, MO	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bluff View Bank	Galesville, WI	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carmine State Bank	Carmine, TX	$149M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Savings Bank	Spillville, IA	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank	Algona, IA	$150M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust & Savings Bank	Earling, IA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank and Trust of Memphis	Memphis, TX	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Fowler State Bank	Fowler, CO	$155M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grand Missouri Bank	Bolivar, MO	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
GSL Savings Bank	Guttenberg, NJ	$151M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Guaranty Bank Inc.	Williamson, WV	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Hyden Citizens Bank	Hyden, KY	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Savings Bank	Miamitown, OH	$148M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Millbury National Bank	Millbury, MA	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakwood Bank	Pigeon Falls, WI	$156M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Bank of Wyaconda, Missouri	Kahoka, MO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority Bank	Fayetteville, AR	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Schuyler Savings Bank	Kearny, NJ	$151M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security Bank of Southwest Missouri	Cassville, MO	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sweet Water State Bank	Sweet Water, AL	$150M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The Bank of Protection	Protection, KS	$154M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Sacramento Deposit Bank	Sacramento, KY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Twin City Bank	Longview, WA	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WSB Municipal Bank	Watertown, NY	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

1st Federal Savings Bank of SC, Inc. does not publish a monthly maintenance fee in the index.

The peer median is $7 among 9 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

1st Federal Savings Bank of SC, Inc. does not publish a monthly maintenance fee, so it is not on this chart.

1st Federal Savings Bank…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 1st Federal Savings Bank of SC, Inc. (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $97K
vs prior quarter: −$5K−4.9%; from Q1 2026
vs a year earlier: −$2K−2.0%; from Q2 2025
vs start of range: +$1K+1.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: 1st Federal Savings Bank of SC, Inc. (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	$97K	−$5K	−4.9%
Q1 2026	$102K	−$9K	−8.1%
Q4 2025	$111K	+$7K	+6.7%
Q3 2025	$104K	+$5K	+5.1%
Q2 2025	$99K	+$4K	+4.2%
Q1 2025	$95K	−$6K	−5.9%
Q4 2024	$101K	+$5K	+5.2%
Q3 2024	$96K	+$10K	+11.6%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from 1st Federal Savings Bank of SC, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$10
Dormant account fee$7.50
per month
Account balancing assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH OD Fee-Item Pd$30
NSF Fee-Return Item$30
NSF Posting Attempt Fee$30

ATM & Card

Rush Card Fee$75
per item

Wire Transfers

Wire Transfer Fee: (Outgoing)$20
Wire Transfer Fee: (Incoming)$20
Foreign wire transfers: (Outgoing)$50

Check Services

Cashier’s check fee (each): Customer$5
Stop Payment Service Charge Amt$30
Items for collection fee$25
per item
Check copy (per check)$3
per item

Digital & Electronic

ACH NSF Fee-Return Item$30
Bill pay monthly fee (15 payments)$6
per month

Cash & Deposit

Return check chargeback fee$5
per item

Account Services

Safe Deposit Box 10 x 10$100
Safe Deposit Box 3 x 10$40
Safe Deposit Box 5 x 10$50
Safe deposit box drilling$175
Not compared: Box drilling or key fee
Safe deposit replacement key$30
Not compared: Box drilling or key fee
Safe deposit replacement key & lock$75
Not compared: Box drilling or key fee
Garnishments$50
Levies$50

Other Fees

Duplicate bank statements$5
Not compared: Charged per statement; comparison unavailable
per statement · Duplicate bank statements | $5.00 per statement
Duplicate year end statements$5
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$10	Not stated	None
Dormant account fee	$7.50	per month	None
Account balancing assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH OD Fee-Item Pd	$30	Not stated	None
NSF Fee-Return Item	$30	Not stated	None
NSF Posting Attempt Fee	$30	Not stated	None
ATM & Card
Rush Card Fee	$75	per item	None
Wire Transfers
Wire Transfer Fee: (Outgoing)	$20	Not stated	None
Wire Transfer Fee: (Incoming)	$20	Not stated	None
Foreign wire transfers: (Outgoing)	$50	Not stated	None
Check Services
Cashier’s check fee (each): Customer	$5	Not stated	None
Stop Payment Service Charge Amt	$30	Not stated	None
Items for collection fee	$25	per item	None
Check copy (per check)	$3	per item	None
Digital & Electronic
ACH NSF Fee-Return Item	$30	Not stated	None
Bill pay monthly fee (15 payments)	$6	per month	None
Cash & Deposit
Return check chargeback fee	$5	per item	None
Account Services
Safe Deposit Box 10 x 10	$100	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Safe deposit box drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe deposit replacement key	$30Not compared: Box drilling or key fee	Not stated	None
Safe deposit replacement key & lock	$75Not compared: Box drilling or key fee	Not stated	None
Garnishments	$50	Not stated	None
Levies	$50	Not stated	None
Other Fees
Duplicate bank statements	$5Not compared: Charged per statement; comparison unavailable	per statement	Duplicate bank statements \| $5.00 per statement
Duplicate year end statements	$5	Not stated	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 9, 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 1st Federal Savings Bank of SC, Inc. operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the 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

Get an email when 1st Federal Savings Bank of SC, Inc.'s early account closure changes in our data

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