D
First Capital Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Capital Bank
Charleston, SC
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Rating D
Asset Quality Index 8.80
Capitalization Index 7.80
Liquidity Index 0.20
Profitability Index 3.80
Stability Index 3.70
Company Info First Capital Bank
Charleston, SC
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FDIC Number 34966
Phone Number (843) 990-7770
Website www.fcbcarolinas.com
Asset Quality First Capital Bank
Charleston, SC
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1-Year Asset Growth 25.60%
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 0.06%
Non-Performing Loans to Capital 0.62%
Non-Performing Loans to Loans 0.07%
Balance Sheet First Capital Bank
Charleston, SC
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Total Assets 1.01B
Total Deposits 834.15M
Capital and Reserves First Capital Bank
Charleston, SC
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Capital 92.55M
Leverage Ratio 9.56
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 12.78
Liquidity First Capital Bank
Charleston, SC
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Hot Money Ratio 44.14%
Liquidity Ratio 14.06%
Profitability First Capital Bank
Charleston, SC
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5-Year Return on Average Assets 0.55%
Net Income 2.09M
Net Interest Spread 3.33%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 59.30%
Return on Assets 0.86%
Return on Equity 9.12%