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First Capital Bank
Charleston, SC · FDIC Certificate #34966 · Chartered 09/2
Total assets
$1.32B
Total deposits
$1.11B
Total equity
$123.16M
Net loans
$1.08B
Branches (offices)
4
Net income (YTD)
$7.00M
Rank: #837 of 4,213 U.S. banks by assets · #11 of 43 in South Carolina. Assets changed 25.3% and deposits 29.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 12.23% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 9.34% |
| Tier 1 leverage ratio | 9.58% |
| Uninsured deposits (share of deposits) | 27.1% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 97.3% |
| Real estate loans (share of loans) | 92.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $995.18M | 92.2% | |
| Commercial & industrial | $91.53M | 8.5% | |
| Consumer / individual | $5.20M | 0.5% | |
| Construction & development | $95.36M | 8.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $456.07M | $395.06M | $1.28M | $42.43M |
| Jun 2023 | $714.98M | $575.83M | $2.13M | $65.81M |
| Jun 2024 | $873.88M | $730.85M | $2.29M | $82.84M |
| Jun 2025 | $1.05B | $856.44M | $4.45M | $98.82M |
| Jun 2026 | $1.32B | $1.11B | $7.00M | $123.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $1.01B | 3 |
| North Carolina | $99.81M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.11B.
Similar-sized banks
Greene County Commercial Bank ($1.32B) · Piedmont Federal Savings Bank ($1.32B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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