First Capital Bank (Charleston, SC)
BankRegReports is independent of First Capital Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Capital Bank is an FDIC-insured commercial bank headquartered in Charleston, SC, established in 1999 (FDIC certificate 34966), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.32B, up 25.3% from Q2 2025, the 11th largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34966
- Headquarters
- Charleston, SC
- Established
- 1999
- Total assets, Q2 2026
- $1.32B
- Assets vs Q2 2025
- +25.3%
- Tier 1 leverage ratio, Q2 2026
- 9.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 053274061
- Holding company
- FIRST CAPITAL BANCSHARES, INC.
- Asset rank in state
- 11th of 43 in South Carolina
First Capital Bank pays more for its money than most banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026, up 25.3% from a year earlier; it is based in Charleston, South Carolina. It pays an average of 3.14% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also grew its loan book 22.0% over the year, 3.7 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $3.7 million, 55% above the same quarter a year earlier. Over the same year, loans grew 22.0% and deposits grew 29.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, First Capital Bank reported a return on assets of 1.14%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Capital Bank is the 11th largest of the 43 banks headquartered in South Carolina. Between Q1 2026 and Q2 2026, its total assets rose 6.3% to $1.32B, loans rose 3.1% and deposits rose 5.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by non-owner-occupied commercial real estate loans at 22.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Charleston office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Capital Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 304 Meeting St, Charleston, SC 29401
- County
- Charleston
- Metro Area
- Charleston-North Charleston, SC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 27, 1999
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $11.2M
- Net charge-offs (YTD)
- -$23K
- Average total assets
- $1.28B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $982.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 27, 1999
- FDIC Cert
- 34966
- Fed RSSD
- 2849463
- SEC CIK
- 1075705 → filed by FIRST CAPITAL BANCSHARES, INC.
- Parent Holding Company
- FIRST CAPITAL BANCSHARES, INC. (RSSD 3836385)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Capital Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Capital Bank's total assets ranged from $746.9M (Q3 2023) to $1.32B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.32B total assets against $1.05B; $1.20B total liabilities against $953.4M.
$1.08B net loans and leases against $884.2M; $1.11B total deposits against $856.4M.
$69.6M securities against $55.8M; $103.9M cash and balances due against $62.5M.
$19.6M total interest income against $15.8M; $9.1M total interest expense against $7.6M.
$10.5M net interest income against $8.3M.
$616K total noninterest income against $432K; $5.9M total noninterest expense against $5.2M.
$550K provision for credit losses against $450K.
$3.7M net income against $2.4M.
1.14% return on assets against 0.92%; 3.41% net interest margin against 3.33%.
9.58% tier 1 leverage ratio against 9.75%.
Inside the full First Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Capital Bank rankings
Its closest position to the top of a national ranking is 829 of 4,196, for total assets; its furthest is 2,770 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.22% (Q4 2025) and its net interest margin ran from 3.05% (Q3 2024) to 3.43% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.58% | 1.14% | 0.10% | 0.84% | 3.41% |
| Q1 2026 | 9.51% | 1.11% | 0.10% | 0.86% | 3.43% |
| Q4 2025 | 9.50% | 1.22% | 0.11% | 0.95% | 3.39% |
| Q3 2025 | 9.45% | 1.04% | 0.03% | 0.23% | 3.39% |
| Q2 2025 | 9.75% | 0.92% | 0.09% | 0.77% | 3.33% |
| Q1 2025 | 9.56% | 0.86% | 0.07% | 0.62% | 3.33% |
| Q4 2024 | 9.79% | 0.80% | 0.08% | 0.65% | 3.25% |
| Q3 2024 | 9.47% | 0.72% | 0.11% | 0.96% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Capital Bank (main office) | Charleston , SC | 29401 | $690.4M |
| N. Hwy 17 Mt. Pleasant Branch | Mount Pleasant , SC | 29466 | $189.8M |
| Summerville Branch | Summerville , SC | 29483 | $128.6M |
| Downtown Pinehurst Branch | Pinehurst , NC | 28374 | $99.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 3, 2012, OCC: Formal Agreement: First Capital Bank
- Period: Most recent institution action July 3, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in SC, rank 23 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 74 loans originated, $86.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $513K approved, $513K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Capital Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Capital Bank
What are First Capital Bank's total assets?
As of the Q2 2026 filing, First Capital Bank reported total assets of $1.32 billion in its FFIEC call report.
Where is First Capital Bank headquartered?
It is headquartered in Charleston, SC, United States.
When was First Capital Bank founded?
It was established in 1999, per the FDIC institution directory.
Is First Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Capital Bank?
First Capital Bank's primary federal regulator is the Federal Reserve.
How many branches does First Capital Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Capital Bank's Texas Ratio?
Its Texas Ratio is 0.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First Capital Bank.
Get an email when First Capital Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Capital Bank, freeFree account