FIRST RELIANCE BANK

FLORENCE, SC | Large | Est. Aug. 16, 1999, midnight | FDIC #35214 | RSSD #2839790 | FDIC
Latest Report: 2025-12-31

FIRST RELIANCE BANK is aln large FDIC-insured commercial bank headquartered in FLORENCE, SC, established in Aug. 16, 1999, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $950M. Profitability stands at 1.16% ROA and 11.89% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 12.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.46%. FDIC Certificate #35214.

Assets

$1.1B

Deposits

$950M

Loans

$792M

Equity

$109M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 11.89%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.65%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.46%
NPA Ratio 0.16%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 12.72%
Tier 1 Capital 12.72%
Total Capital Ratio 13.82%
Leverage Ratio 10.16%
Loan-to-Deposit 83.40%

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