First Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 19.97 percentage points in Q2 2026, from 333.98% to 314.01%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Capital Bank ranks 4th highest among the 44 banks headquartered in South Carolina, at 98.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Capital Bank sits 10.15 points higher, at 98.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.09B |
| Net loans and leases | $1.08B |
| Loans held for sale | $0 |
| Loans to total assets | 82.70% |
| Loan-to-deposit ratio | 98.36% |
| Net loans to equity capital | 8.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.59% |
| Multifamily (5+ residential) | 7.54% |
| Commercial and industrial | 8.38% |
| Consumer | 0.48% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 314.01% |
| Construction concentration (Tier 1 capital + allowance) | 71.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.58% |
| Interest income on loans | $17.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $642.3M | $603.2M | 31.71% | 4.91% | 1.02% |
| Q4 2023 | $679.1M | $649.8M | 29.23% | 4.60% | 0.97% |
| Q1 2024 | $699.0M | $667.1M | 29.48% | 4.84% | 1.02% |
| Q2 2024 | $743.1M | $730.9M | 29.74% | 4.46% | 0.96% |
| Q3 2024 | $790.8M | $758.1M | 30.64% | 4.64% | 1.07% |
| Q4 2024 | $838.0M | $787.0M | 31.75% | 5.28% | 0.94% |
| Q1 2025 | $851.0M | $834.1M | 31.87% | 5.64% | 0.85% |
| Q2 2025 | $893.4M | $856.4M | 31.47% | 7.76% | 0.81% |
| Q3 2025 | $942.0M | $924.0M | 31.97% | 7.84% | 0.72% |
| Q4 2025 | $988.6M | $941.7M | 30.68% | 6.98% | 0.62% |
| Q1 2026 | $1.06B | $1.05B | 31.94% | 7.61% | 0.52% |
| Q2 2026 | $1.09B | $1.11B | 32.59% | 8.38% | 0.48% |
First Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34966) · FFIEC NIC profile (RSSD 2849463)