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First Reliance Bank
Florence, SC · FDIC Certificate #35214 · Chartered 08/1
Total assets
$1.13B
Total deposits
$922.04M
Total equity
$114.20M
Net loans
$829.51M
Branches (offices)
11
Net income (YTD)
$6.74M
Rank: #940 of 4,213 U.S. banks by assets · #13 of 43 in South Carolina. Assets changed 2.3% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 12.09% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 10.53% |
| Uninsured deposits (share of deposits) | 40.3% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 90.0% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $757.44M | 91.3% | |
| Commercial & industrial | $71.02M | 8.6% | |
| Consumer / individual | $9.43M | 1.1% | |
| Construction & development | $49.66M | 6.0% | |
| Agricultural | $340.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $944.12M | $835.18M | $2.43M | $83.05M |
| Jun 2023 | $989.98M | $833.56M | $3.17M | $86.38M |
| Jun 2024 | $1.06B | $904.31M | $3.91M | $93.67M |
| Jun 2025 | $1.10B | $951.26M | $5.83M | $102.29M |
| Jun 2026 | $1.13B | $922.04M | $6.74M | $114.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $922.04M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $922.04M.
Similar-sized banks
Evertrust Bank ($1.13B) · Financial Federal Bank ($1.12B)
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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