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F&M Bank of South Carolina

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F&M Bank of South Carolina Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank of South Carolina provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare F&M Bank of South Carolina rates to other rates in our database, including 12-month CD rates currently at 3.50%, 6-month CD rates at 3.00% and 3-month CD rates at 3.03%. Savings rates are at 0.25% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to F&M Bank of South Carolina rates. MonitorBankRates evaluates the financial stability of F&M Bank of South Carolina with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates were last updated on 04/17/2026.

F&M Bank of South Carolina money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M Bank of South Carolina? Share your experience about F&M Bank of South Carolina by leaving a review below, or read customer reviews before you decide to use F&M Bank of South Carolina.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.17%

Excellent Lower than avg

F&M Bank of South Carolina

8624 Old State Rd
Holly Hill, SC 29059

https://www.fmbsc.com

Current Rate Availability

We do not have F&M Bank of South Carolina rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F&M Bank of South Carolina is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather F&M Bank of South Carolina rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with F&M Bank of South Carolina's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F&M Bank of South Carolina

Bank Holding Company FMB OF S C BANCSHARES INC

Address 8624 Old State Rd, Holly Hill, SC 29059 · Orangeburg

Website https://www.fmbsc.com

FDIC Certificate # 1660

Established 01/03/1912

FDIC Insurance Date 01/01/1934

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8767%

Return on Equity (ROE) 24.2100%

Non-Performing Loans (NPL) 0.15%

Total Assets $495,356,000

Total Deposits $435,279,000

Equity Capital $59,071,000

Net Income $6,647,000

Headquarters Holly Hill

Total Offices 8

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for F&M Bank of South Carolina yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About F&M Bank of South Carolina

Is F&M Bank of South Carolina a safe place to deposit money?

Yes, F&M Bank of South Carolina is considered a safe financial institution. With a Texas Ratio of 2.17315917235%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does F&M Bank of South Carolina operate?

F&M Bank of South Carolina currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F&M Bank of South Carolina does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank of South Carolina provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank of South Carolina offer online and mobile banking?

Most modern institutions like F&M Bank of South Carolina provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbsc.com.