FIRST CAPITAL BANK

CHARLESTON, SC | Large | Est. Sept. 27, 1999, midnight | FDIC #34966 | RSSD #2849463 | FED
Latest Report: 2025-12-31

FIRST CAPITAL BANK is aln large FDIC-insured commercial bank headquartered in CHARLESTON, SC, established in Sept. 27, 1999, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $942M. Profitability stands at 1.20% ROA and 13.08% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 10.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.08%. FDIC Certificate #34966.

Assets

$1.1B

Deposits

$942M

Loans

$989M

Equity

$106M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 13.08%
Net Interest Margin (NIM) 3.51%
Yield on Assets 6.68%
Cost of Funds 3.82%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 10.94%
Tier 1 Capital 10.94%
Total Capital Ratio 12.04%
Leverage Ratio 9.50%
Loan-to-Deposit 104.98%

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