D
First Capital Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.80
Leverage
Ratio
9.75
Return On
Assets
0.89%
Total
Assets
1.05B
Capital
98.82M
Total
Deposits
856.44M
Net
Income
4.45M
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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 8.10
Liquidity Index 0.20
Profitability Index 4.10
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 20.40%
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 0.08%
Non-Performing Loans to Capital 0.77%
Non-Performing Loans to Loans 0.09%
Balance Sheet First Capital Bank
Charleston, SC 		Click to
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Total Assets 1.05B
Total Deposits 856.44M
Capital and Reserves First Capital Bank
Charleston, SC 		Click to
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Capital 98.82M
Leverage Ratio 9.75
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 12.80
Liquidity First Capital Bank
Charleston, SC 		Click to
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Hot Money Ratio 43.21%
Liquidity Ratio 12.40%
Profitability First Capital Bank
Charleston, SC 		Click to
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5-Year Return on Average Assets 0.55%
Net Income 4.45M
Net Interest Spread 3.33%
Operating Profit to Average Assets 1.13%
Overhead Efficiency Ratio 59.80%
Return on Assets 0.89%
Return on Equity 9.51%