Florence, SC · Cert 35214 · First Reliance Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Florence, SC · 2026 SOD (annual) · 8.4% share · #6 of 16 inst. · $0.4B of $4.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.51% | 0.68% | 1.45% | 1.10% | 1.16% | 1.34% | 1.09% | -36 bps | |
| Return on Equity | 8.73% | 5.52% | 7.56% | 15.82% | 11.60% | 11.89% | 13.39% | 10.82% | -500 bps | |
| Net Interest Margin | 3.22% | 3.32% | 3.39% | 3.41% | 3.55% | 3.59% | 3.57% | 3.60% | +19 bps | |
| Efficiency Ratio | 72.79% | 80.52% | 72.52% | 62.89% | 67.99% | 67.89% | 63.20% | 69.72% | +683 bps | |
| Non-Interest Burden | 2.12% | 2.55% | 2.19% | 1.48% | 2.06% | 2.07% | 1.76% | 2.17% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.07% | 9.62% | 6.79% | 4.14% | 2.46% | 2.44% | 1.95% | 2.32% | -182 bps | |
| Loan Growth (YoY) | 4.85% | 8.68% | 8.52% | 4.51% | 4.50% | 2.26% | 1.24% | 4.90% | +40 bps | |
| Deposit Growth (YoY) | 10.76% | 10.95% | 11.22% | 5.19% | 0.42% | -0.66% | -5.36% | -3.07% | -826 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.15% | 0.12% | 0.03% | 0.05% | 0.31% | 0.25% | 0.07% | +5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.07% | 0.03% | 0.02% | -0.03% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.07% | 1.07% | 1.10% | 1.11% | 1.11% | 1.11% | +5 bps | |
| Allowance Coverage of NPLs | 9.2x | 7.1x | 9.3x | 41.6x | 23.7x | 3.6x | 4.4x | 14.9x | -26.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.96% | 9.80% | 9.74% | 9.93% | 10.16% | 10.53% | 10.53% | +78 bps | |
| Total Risk-Based Capital | 13.56% | 13.47% | 12.99% | 12.88% | 13.57% | 13.82% | 14.15% | 14.26% | +138 bps | |
| Equity / Assets | 9.25% | 9.09% | 9.03% | 9.30% | 9.58% | 9.96% | 10.00% | 10.15% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.30% | 81.02% | 82.04% | 84.06% | 82.53% | 83.40% | 87.76% | 90.98% | +692 bps | |
| Liquid Assets / Assets | 5.79% | 4.00% | 3.01% | 2.68% | 2.44% | 2.57% | 2.37% | 2.04% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 379% | 371% | 367% | n/a | n/a | |