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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

6.13%Q2 ’246.19%Q2 ’256.09%Q2 ’26+11%+1%

Non-interest income vs. expense

2.00%Q2 ’242.05%Q2 ’251.83%Q2 ’26-1%-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 23 bps year over year; NIM at 3.26%.
  • 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 (quarter, annualized)

1.14%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+3 bps YoY

Efficiency Ratio (quarter, annualized)

53.06%-721 bps YoY

Tier 1 Leverage Ratio

9.58%-17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.03%1.20%1.12%1.14%+23 bps
Return on Equity9.87%11.19%13.08%12.14%12.35%+247 bps
Net Interest Margin3.23%3.28%3.28%3.28%3.26%+3 bps
Efficiency Ratio60.27%58.67%50.62%53.63%53.06%-721 bps
Non-Interest Burden1.88%1.85%1.43%1.66%1.64%-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 / Loans-0.01%0.00%0.02%-0.01%0.00%+1 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