First Capital Bank
Charleston, South Carolina, Charleston County
$1.3B in total assets, the 856th largest of 4,309 US banks and 11th of 44 headquartered in South Carolina.
- FDIC certificate
- 34966
- Established
- 1999
- Owned by
- First Capital Bancshares Inc
- Primary regulator
- FED
At a glance
Compared with 12 banks headquartered in South Carolina with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 25% | $1.8B | |
| Loans | $1.1B | 58% | $955M | |
| Deposits | $1.1B | 25% | $1.5B | |
| Return on assets | 1.12% | 33% | 1.19% | |
| Net interest margin | 3.47% | 42% | 3.60% | |
| Efficiency ratio | 53.3% | 8% | 59.2% | |
| Equity to assets | 9.34% | 50% | 9.49% | |
| Loans to deposits | 98% | 92% | 80% |
Growth
Total assets grew 31.8% a year over the last 5 years and 38.0% a year over 10 years, without acquisitions.
Where they operate
4 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Charleston County, SC | $880M | 4.3% | 6 of 32 |
| Dorchester County, SC | $129M | 4.6% | 9 of 20 |
| Moore County, NC | $100M | 3.5% | 8 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (2 to 4, +100.0%). 4 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2018 | Opened Laurinburg | 1 | 0 | +1 | 3 |
| 2019 | Opened Summerville | 1 | 0 | +1 | 4 |
| 2021 | Opened Mount Pleasant | 1 | 0 | +1 | 5 |
| 2022 | Closed Bennettsville | 0 | 1 | −1 | 4 |
| 2024 | Opened Pinehurst | 1 | 0 | +1 | 5 |
| 2026 through Q2 | Sold 1 branch to The Citizens Bank | 0 | 1 | −1 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 42% | 32% | |
| Commercial real estate | 33% | 39% | |
| Construction and land | 9% | 11% | |
| Business (C&I) | 8% | 8% | |
| Multifamily | 8% | 2% | |
| Consumer | 0% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 48% | 22% | |
| Other interest-bearing | 44% | 56% | |
| Noninterest-bearing | 8% | 22% |
Brokered deposits are 12.4% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.10% | 0.14% |
| Net charge-offs, annualized | -0.00% | 0.02% |
| Reserves to loans | 1.02% | 1.14% |
| Leverage ratio | 9.58% | 9.66% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in South Carolina
Largest competitors in Charleston County, SC
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-capital-bank-charleston-sc