RANKING ·
Largest net interest margin improvement in South Carolina
41 of 44 banks in South Carolina that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Southern First Bank | Greenville, SC | +44 bps | $4.7 billion |
| 2 | Dedicated Community Bank | Darlington, SC | +40 bps | $101 million |
| 3 | The Bank of South Carolina | Charleston, SC | +38 bps | $571 million |
| 4 | The Conway National Bank | Conway, SC | +31 bps | $2.0 billion |
| 5 | First Community Bank | Lexington, SC | +30 bps | $2.4 billion |
| 6 | Security Federal Bank | Aiken, SC | +29 bps | $1.5 billion |
| 7 | First Palmetto Bank | Camden, SC | +28 bps | $1.1 billion |
| 8 | Enterprise Bank of South Carolina | Ehrhardt, SC | +27 bps | $535 million |
| 9 | Oconee Federal Savings and Loan Association | Seneca, SC | +26 bps | $679 million |
| 10 | Countybank | Greenwood, SC | +26 bps | $733 million |
| 11 | South Atlantic Bank | Myrtle Beach, SC | +25 bps | $2.0 billion |
| 12 | The Bank of Clarendon | Manning, SC | +25 bps | $438 million |
| 13 | Pickens Savings and Loan Association, Federal Association | Pickens, SC | +24 bps | $138 million |
| 14 | Spratt Savings Bank | Chester, SC | +23 bps | $154 million |
| 15 | 1st Federal Savings Bank of Sc Inc. | Walterboro, SC | +22 bps | $152 million |
| 16 | Palmetto State Bank | Hampton, SC | +21 bps | $597 million |
| 17 | Cbl State Savings Bank | Greer, SC | +20 bps | $191 million |
| 18 | First Reliance Bank | Florence, SC | +18 bps | $1.1 billion |
| 19 | Carolina Bank & Trust Company | Lamar, SC | +18 bps | $845 million |
| 20 | Abbeville First Bank SSB | Abbeville, SC | +16 bps | $139 million |
| 21 | United Community Bank | Greenville, SC | +15 bps | $29.0 billion |
| 22 | Bank of Greeleyville | Greeleyville, SC | +15 bps | $160 million |
| 23 | Arthur State Bank | Union, SC | +14 bps | $832 million |
| 24 | Bank of the Lowcountry | Walterboro, SC | +12 bps | $430 million |
| 25 | Coastal States Bank | Hilton Head Isla, SC | +12 bps | $2.4 billion |
| 26 | The Citizens Bank | Olanta, SC | +11 bps | $1.1 billion |
| 27 | Peoples Bank the | Iva, SC | +11 bps | $447 million |
| 28 | Bank of Travelers Rest | Travelers Rest, SC | +11 bps | $1.6 billion |
| 29 | First Capital Bank | Charleston, SC | +10 bps | $1.3 billion |
| 30 | Southern Bank | Spartanburg, SC | +10 bps | $408 million |
| 31 | Coastal Carolina National Bank | Myrtle Beach, SC | +9 bps | $1.4 billion |
| 32 | The Commercial Bank | Honea Path, SC | +6 bps | $284 million |
| 33 | Beacon Community Bank | Mount Pleasant, SC | +6 bps | $982 million |
| 34 | Blue Ridge Bank | Walhalla, SC | +3 bps | $199 million |
| 35 | First Piedmont Federal Savings and Loan Association | Gaffney, SC | +2 bps | $597 million |
| 36 | Woodruff Federal Savings and Loan Association | Woodruff, SC | -7 bps | $104 million |
| 37 | Anderson Brothers Bank | Mullins, SC | -8 bps | $2.4 billion |
| 38 | First National Bank of South Carolina | Holly Hill, SC | -13 bps | $310 million |
| 39 | Bank of York | York, SC | -33 bps | $318 million |
| 40 | Farmers and Merchants Bank of South Carolina | Holly Hill, SC | -36 bps | $414 million |
| 41 | Optus Bank | Columbia, SC | -76 bps | $764 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings