First Reliance Bank
Florence, SC · Cert 35214 · Peer group: banks $1B-$10B in assets (n=322-328) · First Reliance Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$1.1BAssets
$838.8MLoans
$922.0MDeposits
$114.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of banks $1B-$10B in assets (rank 35 of 322).
- Widest gap: efficiency ratio trails 73% of banks $1B-$10B in assets (rank 240 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.20%
Rank 173 of 328
Net Interest Margin
3.54%
Rank 145 of 328
Efficiency Ratio
66.45%
Rank 240 of 328
Equity / Assets
10.15%
Rank 173 of 328
Non-interest income vs. expense
Unfavorable gap of $21.8M · efficiency ratio beats 27% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.91% | 1.22% | 1.52% | Beats 47% | 173 / 328 | |
| Return on Equity | 11.81% | 8.43% | 11.45% | 14.43% | Beats 53% | 154 / 328 | |
| Net Interest Margin | 3.54% | 3.03% | 3.45% | 3.83% | Beats 56% | 145 / 328 | |
| Efficiency Ratio | 66.45% | 51.61% | 59.56% | 67.53% | Beats 27% | 240 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.24% | 0.51% | 1.03% | Beats 89% | 35 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 88% | 40 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.16% | 11.75% | 13.15% | 15.47% | Beats 51% | 162 / 328 | |
| Total Risk-Based Capital Ratio | 14.26% | 12.63% | 14.15% | 16.46% | Beats 52% | 157 / 328 | |
| Equity / Assets | 10.15% | 9.15% | 10.33% | 12.01% | Beats 47% | 173 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.98% | 76.63% | 87.92% | 95.36% | 61st pctl | 127 / 323 | |
| Loans / Assets | 74.54% | 65.18% | 74.15% | 79.98% | 51st pctl | 160 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |