TellerScore

First Reliance Bank is a state-chartered bank headquartered in Florence, South Carolina, in business for about 27 years. At the end of Q2 2026 it reported $1.1B in total assets and $922.0M in deposits, with 10 offices.

First Reliance Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 25th. Problem-loan coverage contributes the most (99/100, 0.5%); funding & liquidity contributes the least (42/100, 90% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.53%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 90.0% · 40.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.51%

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 2 points (69 → 71), mostly because the funding & liquidity component weakened by 9 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202466
Q1 202565
Q2 202569
Q3 202569
Q4 202568
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.77%10.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.01%
Q3 20249.87%
Q4 20249.96%
Q1 20259.80%
Q2 20259.74%
Q3 20259.93%
Q4 202510.16%
Q1 202610.53%
Q2 202610.53%
Noncurrent loans
0.03%0.17%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.12%
Q4 20240.15%
Q1 20250.12%
Q2 20250.03%
Q3 20250.05%
Q4 20250.31%
Q1 20260.25%
Q2 20260.07%
Return on assets
0.68%1.01%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.78%
Q4 20240.71%
Q1 20250.68%
Q2 20251.07%
Q3 20251.08%
Q4 20251.10%
Q1 20261.34%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.1B10.53%0.07%1.21%90.0%
Q1 202671$1.1B10.53%0.25%1.34%86.8%
Q4 202568$1.1B10.16%0.31%1.10%82.5%
Q3 202569$1.1B9.93%0.05%1.08%81.6%
Q2 202569$1.1B9.74%0.03%1.07%83.2%
Q1 202565$1.1B9.80%0.12%0.68%81.2%
Q4 202466$1.1B9.96%0.15%0.71%80.1%
Q3 202466$1.1B9.87%0.12%0.78%78.4%
Q2 202467$1.1B10.01%0.03%0.77%83.7%

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 ratio10.53%
51st
Total risk-based capital14.26%
58th
Problem loans0.07%
89th
Net charge-offs-0.00%
91st
Return on assets1.21%
46th
Net interest margin3.87%
60th
Efficiency ratio66.4%
28th
Loans to deposits90.0%
41st
Uninsured deposits40.3%
26th
Loan-loss reserves1.11%
44th
Texas ratio0.5%
90th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
First Palmetto BankBank Camden, SC71 out of 100, Strong$1.1B9.4%0.15%vs
First Capital BankBank Charleston, SC68 out of 100, Moderate$1.3B9.6%0.10%vs
Coastal Carolina National BankBank Myrtle Beach, SC71 out of 100, Strong$1.4B9.4%0.00%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 Reliance Bank?

Yes. First Reliance Bank is an FDIC-insured institution (FDIC certificate #35214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.3% of deposits ($371.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.26% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First Reliance Bank lists 9 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Reliance Bank
Type
State-chartered bank
FDIC certificate #
35214
RSSD ID
2839790
Primary regulator
FDIC
Holding company
First Reliance Bancshares Inc
Established
August 16, 1999
Headquarters
2170 W Palmetto St, Florence, SC 29501
Employees
164

Quick answers

First Reliance Bank: common questions

Is First Reliance Bank FDIC insured?

Yes. First Reliance Bank is an FDIC-insured institution (FDIC certificate #35214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Reliance Bank's TellerScore?

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

Has First Reliance Bank ever failed?

There is no failure record for FDIC certificate #35214 in the FDIC failed bank list.

How many branches does First Reliance Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Florence

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Baptist Church Federal Credit UnionCredit union Florence, SC92 out of 100, Very strong$2.3M16.8%0.20%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Palmetto First Federal Credit UnionCredit union Florence, SC77 out of 100, Strong$64.1M21.0%1.89%vs