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BDI
FM

Farmers and Merchants Bank of South Carolina

Holly Hill, South CarolinaFDIC Cert #1660

STATEEstablished 19128 branches

Holding company: FMB OF S C BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.37%
−25.3%y/y
Peer standing57th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.01%
+883.3%y/y
Peer standing38th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
0.68%
−18.9%y/y
Peer standing34th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
0.69%
−18.0%y/y
Peer standing38th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.18%
−27.1%y/y
Peer standing63rd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$859K
−16.6%y/y
Peer standing64th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.14%
−20.0%y/y
Peer standing14th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$45K
−13.5%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.01%
−2.9%y/y
Percentile by value22nd percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$466K
−24.0%y/y
Peer standing77th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$10K
+900.0%y/y
Peer standing42nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$849K
−17.5%y/y
Peer standing56th percentile
Peer standing in ubpr:primary:5
FDICNAASSET