Side-by-side · Q2 2026 data
First Capital Bank vs First Reliance Bank
Metric by metric
| Measure | First Capital Bank | First Reliance Bank |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 46 | 55 (stronger) |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 65 | 69 (stronger) |
| Funding & liquidity | 49 (stronger) | 42 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 49th | 63rd |
| Total assets | $1.3B | $1.1B |
| Deposits / shares | $1.1B | $922.0M |
| Capital ratio | 9.58% | 10.53% (stronger) |
| Problem loans | 0.10% | 0.07% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.14% | 1.21% (stronger) |
| Loans ÷ deposits | 97.3% | 90.0% (stronger) |
| Uninsured deposits | 27.1% (stronger) | 40.3% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
First Reliance Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 2 and First Reliance Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.