Charleston, SC · Cert 34966 · First Capital Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Charleston-North Charleston, SC · 2026 SOD (annual) · 3.9% share · #7 of 37 inst. · $1.0B of $25.6B
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 | 0.62% | 0.66% | 0.84% | 0.88% | 0.93% | 1.01% | 1.12% | 1.14% | +25 bps | |
| Return on Equity | 6.54% | 7.04% | 9.12% | 9.47% | 10.08% | 10.88% | 12.14% | 12.23% | +276 bps | |
| Net Interest Margin | 2.70% | 2.75% | 3.24% | 3.16% | 3.08% | 3.07% | 3.28% | 3.16% | 0 bps | |
| Efficiency Ratio | 66.22% | 64.52% | 59.30% | 59.80% | 59.40% | 56.90% | 53.63% | 53.34% | -646 bps | |
| Non-Interest Burden | 1.76% | 1.73% | 1.88% | 1.84% | 1.77% | 1.65% | 1.66% | 1.60% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.04% | 22.38% | 25.60% | 20.40% | 22.41% | 17.99% | 22.53% | 25.31% | +490 bps | |
| Loan Growth (YoY) | 23.11% | 23.40% | 21.74% | 20.23% | 19.12% | 17.97% | 24.31% | 22.05% | +182 bps | |
| Deposit Growth (YoY) | 25.68% | 21.12% | 25.05% | 17.18% | 21.89% | 19.65% | 25.57% | 29.44% | +1,226 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.08% | 0.07% | 0.09% | 0.03% | 0.11% | 0.10% | 0.10% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.96% | 1.02% | 1.03% | 1.01% | 1.01% | 1.00% | 1.02% | 0 bps | |
| Allowance Coverage of NPLs | 8.3x | 12.6x | 13.8x | 11.0x | 37.3x | 9.0x | 9.9x | 9.9x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.79% | 9.56% | 9.75% | 9.45% | 9.50% | 9.51% | 9.58% | -17 bps | |
| Total Risk-Based Capital | 12.65% | 12.66% | 12.78% | 12.80% | 12.33% | 12.04% | 12.03% | 9.58% | -323 bps | |
| Equity / Assets | 9.21% | 9.36% | 9.14% | 9.39% | 9.09% | 9.32% | 9.18% | 9.34% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.31% | 106.48% | 102.02% | 104.32% | 101.95% | 104.98% | 100.99% | 98.36% | -596 bps | |
| Liquid Assets / Assets | 7.72% | 7.37% | 9.81% | 7.21% | 8.06% | 4.94% | 6.08% | 8.66% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 437% | 455% | 443% | n/a | n/a | |