First Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.92 percentage points higher than in Q1 2026, at 992.62%. First Capital Bank ranks 21st of 44 South Carolina banks on return on assets, in the upper half at 1.14% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Capital Bank sits 0.14 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.58% |
| Equity capital to assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.84% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 992.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 12.35% |
| Net interest margin | 3.41% |
| Efficiency ratio | 52.77% |
| Yield on earning assets | 6.35% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.36% |
| Core deposits to total deposits | 77.26% |
| Brokered deposits to total deposits | 12.44% |
| Deposits to assets | 84.08% |
| Securities to assets | 5.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.59% | 11.59% | 12.57% | 9.90% | 0.62% |
| Q4 2023 | 11.49% | 11.49% | 12.47% | 10.02% | 0.54% |
| Q1 2024 | 12.06% | 12.06% | 13.14% | 9.79% | 0.51% |
| Q2 2024 | 12.14% | 12.14% | 13.20% | 10.16% | 0.63% |
| Q3 2024 | 11.60% | 11.60% | 12.65% | 9.47% | 0.72% |
| Q4 2024 | 11.59% | 11.59% | 12.66% | 9.79% | 0.80% |
| Q1 2025 | 11.64% | 11.64% | 12.78% | 9.56% | 0.86% |
| Q2 2025 | 11.68% | 11.68% | 12.80% | 9.75% | 0.92% |
| Q3 2025 | 11.24% | 11.24% | 12.33% | 9.45% | 1.04% |
| Q4 2025 | 10.94% | 10.94% | 12.04% | 9.50% | 1.22% |
| Q1 2026 | 10.95% | 10.95% | 12.03% | 9.51% | 1.11% |
| Q2 2026 | — | — | — | 9.58% | 1.14% |
First Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)