Lamar, SC · Cert 16723 · First Carolina Bancshares Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Florence, SC · 2026 SOD (annual) · 10.2% share · #5 of 16 inst. · $0.5B of $4.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.46% | 1.35% | 1.49% | 1.53% | 1.51% | 1.68% | 1.85% | +35 bps | |
| Return on Equity | 11.36% | 11.69% | 10.70% | 11.90% | 12.21% | 12.19% | 13.45% | 14.57% | +267 bps | |
| Net Interest Margin | 3.76% | 3.67% | 3.62% | 3.78% | 3.67% | 3.64% | 3.86% | 4.04% | +25 bps | |
| Efficiency Ratio | 50.58% | 50.49% | 52.49% | 50.23% | 50.11% | 48.74% | 44.86% | 43.22% | -701 bps | |
| Non-Interest Burden | 1.68% | 1.63% | 1.70% | 1.68% | 1.62% | 1.56% | 1.51% | 1.51% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | 4.54% | 5.84% | 10.98% | 11.99% | 12.96% | 8.90% | 4.84% | -614 bps | |
| Loan Growth (YoY) | 14.23% | 8.30% | 3.37% | 0.79% | -1.91% | 0.94% | 1.46% | 3.40% | +261 bps | |
| Deposit Growth (YoY) | 1.25% | 4.09% | 6.36% | 11.47% | 13.49% | 13.46% | 8.81% | 4.10% | -737 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.37% | 0.31% | 0.38% | 0.34% | 0.35% | 0.46% | 0.41% | +3 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.10% | 0.12% | 0.10% | 0.14% | 0.33% | 0.23% | 0.19% | +10 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.39% | 1.42% | 1.43% | 1.39% | 1.36% | 1.35% | -7 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.7x | 4.5x | 3.7x | 4.2x | 3.9x | 3.0x | 3.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.25% | 13.05% | 13.12% | 13.26% | 12.82% | 12.58% | 12.95% | 13.51% | +26 bps | |
| Total Risk-Based Capital | 18.85% | 19.41% | 20.09% | 20.45% | 21.01% | 21.17% | 21.48% | 21.40% | +95 bps | |
| Equity / Assets | 12.80% | 12.22% | 13.00% | 12.46% | 12.42% | 11.90% | 13.10% | 13.06% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.49% | 85.41% | 89.56% | 83.98% | 80.81% | 75.99% | 83.51% | 83.42% | -56 bps | |
| Liquid Assets / Assets | 2.27% | 6.63% | 6.02% | 9.96% | 12.01% | 12.47% | 9.50% | 8.90% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 272% | 270% | n/a | n/a | |