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First Capital Bank

Charleston, SC · Cert 34966 · First Capital Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

97

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Capital Bank

Charleston, SC · Cert 34966 · First Capital Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$123.2MEquity
Loan mix
92%RE $973.2M8%C&I $80.6M1%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.0B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.95%Q2 ’246.05%Q2 ’255.87%Q2 ’26+13%+0%

Non-interest income vs. expense

1.97%Q2 ’241.97%Q2 ’251.79%Q2 ’26-3%-13%

Market Position · Charleston-North Charleston, SC · 2026 SOD (annual) · 3.9% share · #7 of 37 inst. · $1.0B of $25.6B

4.3% Charleston
4.6% Dorchester
3.5% Moore

Executive Summary

  • Earnings: ROA of 1.14%, up 25 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.10% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.58%, down 17 bps from a year ago.
  • Funding: loans stand at 98.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.16%0 bps YoY

Efficiency Ratio (YTD, annualized)

53.34%-646 bps YoY

Tier 1 Leverage Ratio

9.58%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.93%1.01%1.12%1.14%+25 bps
Return on Equity9.47%10.08%10.88%12.14%12.23%+276 bps
Net Interest Margin3.16%3.08%3.07%3.28%3.16%0 bps
Efficiency Ratio59.80%59.40%56.90%53.63%53.34%-646 bps
Non-Interest Burden1.84%1.77%1.65%1.66%1.60%-24 bps
Growth
Asset Growth (YoY)20.40%22.41%17.99%22.53%25.31%+490 bps
Loan Growth (YoY)20.23%19.12%17.97%24.31%22.05%+182 bps
Deposit Growth (YoY)17.18%21.89%19.65%25.57%29.44%+1,226 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.03%0.11%0.10%0.10%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.03%1.01%1.01%1.00%1.02%0 bps
Allowance Coverage of NPLs11.0x37.3x9.0x9.9x9.9x-1.1x
Capital
Tier 1 Leverage Ratio9.75%9.45%9.50%9.51%9.58%-17 bps
Total Risk-Based Capital12.80%12.33%12.04%12.03%9.58%-323 bps
Equity / Assets9.39%9.09%9.32%9.18%9.34%-5 bps
Liquidity & Funding
Loans / Deposits104.32%101.95%104.98%100.99%98.36%-596 bps
Liquid Assets / Assets7.21%8.06%4.94%6.08%8.66%+145 bps
CRE / Total Capitaln/a437%455%443%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Capital Bank

Charleston, SC · Cert 34966 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Capital Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$123.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating regionally (rank 171 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.06%

Rank 117 of 176

Net Interest Margin

3.16%

Rank 142 of 176

Efficiency Ratio

53.34%

Rank 48 of 176

Equity / Assets

9.34%

Rank 126 of 176

Non-interest income vs. expense

$2.5M$23.0MINCOMEEXPENSE
Unfavorable gap of $20.5M · efficiency ratio beats 73% of banks $1B-$10B in assets operating regionally
Bank 53.34%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.93%1.26%1.54%Beats 34%117 / 176
Return on Equity11.36%9.26%11.89%14.46%Beats 45%97 / 176
Net Interest Margin3.16%3.25%3.59%3.93%Beats 19%142 / 176
Efficiency Ratio53.34%52.79%59.55%67.66%Beats 73%48 / 176
Asset Quality
Nonperforming Loans / Loans0.10%0.30%0.64%1.32%Beats 93%14 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176
Capital
Tier 1 Capital Ratio9.58%11.15%12.72%14.15%Beats 3%171 / 176
Total Risk-Based Capital Ratio9.58%11.81%13.63%15.33%Beats 3%171 / 176
Equity / Assets9.34%9.16%10.35%11.80%Beats 28%126 / 176
Liquidity & Funding
Loans / Deposits98.36%80.94%89.73%97.21%80th pctl36 / 176
Loans / Assets82.70%69.25%75.12%80.82%85th pctl27 / 176
Brokered Deposits / Depositsn/aNot reported for this institution