TellerScore

First Capital Bank (FDIC certificate #34966) is based in Charleston, South Carolina. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 4 offices across 2 states.

Based on its Q2 2026 filing, First Capital Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 32nd. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (46/100; 9.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.58%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings65/100
Return on assets (annualized): 1.14%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 97.3% · 27.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (65 → 68), mostly because the earnings component improved by 10 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202462
Q1 202565
Q2 202565
Q3 202565
Q4 202564
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%7.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 20249.47%
Q4 20249.79%
Q1 20259.56%
Q2 20259.75%
Q3 20259.45%
Q4 20259.50%
Q1 20269.51%
Q2 20269.58%
Noncurrent loans
0.03%0.07%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.11%
Q4 20240.08%
Q1 20250.07%
Q2 20250.09%
Q3 20250.03%
Q4 20250.11%
Q1 20260.10%
Q2 20260.10%
Return on assets
0.56%0.85%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.62%
Q4 20240.66%
Q1 20250.84%
Q2 20250.88%
Q3 20250.93%
Q4 20251.01%
Q1 20261.12%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.3B9.58%0.10%1.14%97.3%
Q1 202668$1.2B9.51%0.10%1.12%100.0%
Q4 202564$1.1B9.50%0.11%1.01%103.9%
Q3 202565$1.1B9.45%0.03%0.93%100.9%
Q2 202565$1.1B9.75%0.09%0.88%103.2%
Q1 202565$1.0B9.56%0.07%0.84%101.0%
Q4 202462$965.5M9.79%0.08%0.66%105.5%
Q3 202461$919.0M9.47%0.11%0.62%103.3%
Q2 202462$873.9M10.16%0.12%0.56%100.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.58%
25th
Total risk-based capital0.00%
13th
Problem loans0.10%
87th
Net charge-offs-0.00%
91st
Return on assets1.14%
40th
Net interest margin3.47%
35th
Efficiency ratio53.3%
67th
Loans to deposits97.3%
20th
Uninsured deposits27.1%
62nd
Loan-loss reserves1.02%
34th
Texas ratio0.8%
85th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Coastal Carolina National BankBank Myrtle Beach, SC71 out of 100, Strong$1.4B9.4%0.00%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
First Reliance BankBank Florence, SC71 out of 100, Strong$1.1B10.5%0.07%vs
First Palmetto BankBank Camden, SC71 out of 100, Strong$1.1B9.4%0.15%vs
Security Federal BankBank Aiken, SC69 out of 100, Moderate$1.5B10.8%0.85%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs

Deposit insurance

Is my money safe at First Capital Bank?

Yes. First Capital Bank is an FDIC-insured institution (FDIC certificate #34966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($301.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Capital Bank lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Capital Bank reported 83 home-loan applications under HMDA (LEI 254900LDLCTUL5TXVH85): 74 originated ($86,750,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Capital Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34966
RSSD ID
2849463
Primary regulator
FED
Holding company
First Capital Bancshares Inc
Established
September 27, 1999
Headquarters
304 Meeting St, Charleston, SC 29401
Employees
98

Quick answers

First Capital Bank: common questions

Is First Capital Bank FDIC insured?

Yes. First Capital Bank is an FDIC-insured institution (FDIC certificate #34966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Capital Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Capital Bank ever failed?

There is no failure record for FDIC certificate #34966 in the FDIC failed bank list.

How many branches does First Capital Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Latitude 32 Federal Credit UnionCredit union Charleston, SC88 out of 100, Very strong$69.5M14.8%0.39%vs
Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC88 out of 100, Very strong$413.6M16.6%0.74%vs
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
The Bank of South CarolinaBank Charleston, SC77 out of 100, Strong$571.2M11.8%0.29%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs