First Reliance Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Reliance Bank is an FDIC-insured commercial bank. Total assets stand at $1.1B. Profitability tracks the broader industry: ROA 1.09%, ROE 10.82%, NIM 3.83%. Capital cushions are healthy: 13.16% CET1, 10.53% Tier 1 leverage. Asset quality is pristine, 0.13% NPLs and a 0.92% Texas Ratio. 10 branches make up the footprint.
As of June 30, 2026, First Reliance Bank reported a CET1 capital ratio of 13.16%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.13%, a Texas ratio of 0.92%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2170 W Palmetto St, Florence, SC 29501
- County
- Florence
- Metro Area
- Florence, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 16, 1999
- Offices
- 10 domestic
- Employees (FTE)
- 164
- Domestic deposits
- $922.0M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- -$16K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 16, 1999
- FDIC Cert
- 35214
- Fed RSSD
- 2839790
- SEC CIK
- 1172102 → filed by FIRST RELIANCE BANCSHARES, INC.
- Website
- firstreliance.com →
- Parent Holding Company
- FIRST RELIANCE BANCSHARES, INC. (RSSD 3070312)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Reliance Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Reliance 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Reliance Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.16% | 1.09% | 0.13% | 0.92% | 3.83% |
| Q1 2026 | 13.04% | 1.35% | 0.25% | 2.19% | 3.82% |
| Q4 2025 | 12.72% | 1.15% | 0.30% | 2.67% | 3.84% |
| Q3 2025 | 12.47% | 1.10% | 0.13% | 0.88% | 3.80% |
| Q2 2025 | 11.84% | 1.44% | 0.13% | 0.91% | 3.64% |
| Q1 2025 | 11.92% | 0.69% | 0.12% | 0.87% | 3.63% |
| Q4 2024 | 12.42% | 0.51% | 0.20% | 1.51% | 3.55% |
| Q3 2024 | 12.51% | 0.80% | 0.18% | 1.26% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Reliance Bank (main office) | Florence , SC | 29501 | $315.1M |
| Mount Pleasant Branch | Mount Pleasant , SC | 29464 | $184.5M |
| Downtown Columbia Branch | Columbia , SC | 29201 | $111.9M |
| Lexington North Lake Dr Branch | Lexington , SC | 29072 | $102.0M |
| Second Loop Branch | Florence , SC | 29505 | $58.7M |
| Greenville Downtown Branch | Greenville , SC | 29601 | $55.0M |
| Simpsonville Branch | Simpsonville , SC | 29681 | $36.3M |
| Sunset Blvd, West Columbia Branch | West Columbia , SC | 29169 | $33.1M |
| Myrtle Beach - Mayfair St Branch | Myrtle Beach , SC | 29577 | $25.3M |
| Https:Firstreliance.Com Branch | Mount Pleasant , SC | 29464 | $18K |
| Myrtle Beach Brach | Myrtle Beach , SC | 29577 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 23, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 2018 | Structure Change | Acquired Independence National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Reliance Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in SC, rank 27 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,537 applications, 1,245 loans originated, $416.1M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2024-Q1 to 2026-Q1. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Reliance Bank
What are First Reliance Bank's total assets?
As of the Q2 2026 filing, First Reliance Bank reported total assets of $1.13 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Reliance Bank headquartered?
First Reliance Bank is headquartered in Florence, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Reliance Bank founded?
First Reliance Bank was established in 1999, per the FDIC institution directory.
Is First Reliance Bank FDIC-insured?
Yes. First Reliance Bank is an FDIC-insured commercial bank (FDIC Certificate #35214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Reliance Bank?
First Reliance Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Reliance Bank's CET1 capital ratio?
First Reliance Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Reliance Bank operate?
First Reliance Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Reliance Bank's Texas Ratio?
First Reliance Bank's Texas Ratio is 0.92% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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