D
First Capital Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.33
Leverage
Ratio
9.45
Return On
Assets
0.94%
Total
Assets
1.12B
Capital
102.30M
Total
Deposits
923.98M
Net
Income
7.26M
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Weiss Ratings First Capital Bank
Charleston, SC 		Click to
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Rating D
Asset Quality Index 8.70
Capitalization Index 7.70
Liquidity Index 0.20
Profitability Index 4.40
Stability Index 3.70
Company Info First Capital Bank
Charleston, SC 		Click to
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FDIC Number 34966
Phone Number (843) 990-7770
Website www.fcbcarolinas.com
Asset Quality First Capital Bank
Charleston, SC 		Click to
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1-Year Asset Growth 22.41%
5-Year Asset Growth 121.36%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.23%
Non-Performing Loans to Loans 0.03%
Balance Sheet First Capital Bank
Charleston, SC 		Click to
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Total Assets 1.12B
Total Deposits 923.98M
Capital and Reserves First Capital Bank
Charleston, SC 		Click to
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Capital 102.30M
Leverage Ratio 9.45
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 12.33
Liquidity First Capital Bank
Charleston, SC 		Click to
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Hot Money Ratio 43.35%
Liquidity Ratio 13.87%
Profitability First Capital Bank
Charleston, SC 		Click to
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5-Year Return on Average Assets 0.55%
Net Income 7.26M
Net Interest Spread 3.35%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 59.40%
Return on Assets 0.94%
Return on Equity 10.09%