First Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Capital Bank of Charleston, SC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.46% | -0.32% | 39th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.35% | 12.72% | -0.37% | 50th above |
| Net Interest Margin | 3.41% | 3.85% | -0.44% | 31st below |
| Efficiency Ratio | 52.77% | 57.41% | -4.64% | 67th above |
| PPNR / Avg Assets | 1.62% | 1.88% | -0.26% | 43rd below |
| Yield on Earning Assets | 6.35% | 5.72% | +0.63% | 86th top |
| Cost of Funds | 3.14% | 2.02% | +1.12% | 6th bottom |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.00% | -0.90% | 89th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 88th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 33rd below |
| ACL / NPLs (Coverage) | 992.62% | 543.12% | +449.50% | 91st top |
| Texas Ratio | 0.84% | 7.39% | -6.55% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.58% | 11.44% | -1.86% | 24th bottom |
| Equity / Assets | 9.34% | 11.34% | -2.00% | 28th below |
| TCE / Tangible Assets | 9.34% | 10.50% | -1.16% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.36% | 86.95% | +11.41% | 21st bottom |
| Core Deposit Ratio | 77.26% | 85.56% | -8.30% | 16th bottom |
| Uninsured Deposit Ratio | 27.15% | 33.13% | -5.98% | 63rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.61% | 5.70% | -0.09% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.31% | 9.67% | +15.64% | 94th top |
| Loan Growth (Y/Y) | 22.05% | 8.05% | +14.00% | 93rd top |
| Deposit Growth (Y/Y) | 29.44% | 7.86% | +21.58% | 94th top |
See First Capital Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Capital Bank profile, how to read a UBPR, or how this data updates.