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
Unfavorable gap of $20.5M · efficiency ratio beats 73% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.93% | 1.26% | 1.54% | Beats 34% | 117 / 176 | | |
| Return on Equity | 11.36% | 9.26% | 11.89% | 14.46% | Beats 45% | 97 / 176 | | |
| Net Interest Margin | 3.16% | 3.25% | 3.59% | 3.93% | Beats 19% | 142 / 176 | | |
| Efficiency Ratio | 53.34% | 52.79% | 59.55% | 67.66% | Beats 73% | 48 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.30% | 0.64% | 1.32% | Beats 93% | 14 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 9.58% | 11.15% | 12.72% | 14.15% | Beats 3% | 171 / 176 | | |
| Total Risk-Based Capital Ratio | 9.58% | 11.81% | 13.63% | 15.33% | Beats 3% | 171 / 176 | | |
| Equity / Assets | 9.34% | 9.16% | 10.35% | 11.80% | Beats 28% | 126 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.36% | 80.94% | 89.73% | 97.21% | 80th pctl | 36 / 176 | | |
| Loans / Assets | 82.70% | 69.25% | 75.12% | 80.82% | 85th pctl | 27 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |