$125M
+1.7%y/y
Percentile by value2nd percentileby value
FDIC
LNLSGRFM
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
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $21M |
| Investor CRE | $23.5M |
| Multifamily | $145K |
| Construction | $38.9M |
| 1–4 family | $26.3M |
| C&I | $5.62M |
| Agriculture | $3.04M |
| Other | $6.06M |
Loan book
Reported balances and balance-sheet intensity.
$123M
+1.7%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET+1.74%
−86.2%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET29.8%
−10.7%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET + DEP25.9%
−11.0%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET + ASSET93.92%
+1.3%y/y
Percentile by value83rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
86%
−4.3%y/y
Percentile by value22nd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC53%
+0.1%y/y
Percentile by value64th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,098points
+4.1%y/y
Peer standing49th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD16.85%
−11.9%y/y
Percentile by value70th percentileby value
FDIC
LNRENROW + LNLSGR18.88%
−4.5%y/y
Percentile by value67th percentileby value
FDIC
LNRENROT + LNLSGR4.51%
+24.1%y/y
Percentile by value13th percentileby value
FDIC
LNCI + LNLSGR