D
First Capital Bank
Rating Date
April 2025
Risk Based
Capital Ratio
12.66
Leverage
Ratio
9.79
Return On
Assets
0.67%
Total
Assets
965.49M
Capital
90.34M
Total
Deposits
787.05M
Net
Income
5.77M
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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 8.20
Liquidity Index 0.10
Profitability Index 3.60
Stability Index 5.90
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 22.38%
5-Year Asset Growth 121.36%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.64%
Non-Performing Loans to Loans 0.08%
Balance Sheet First Capital Bank
Charleston, SC 		Click to
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Total Assets 965.49M
Total Deposits 787.05M
Capital and Reserves First Capital Bank
Charleston, SC 		Click to
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Capital 90.34M
Leverage Ratio 9.79
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 12.66
Liquidity First Capital Bank
Charleston, SC 		Click to
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Hot Money Ratio 46.53%
Liquidity Ratio 10.97%
Profitability First Capital Bank
Charleston, SC 		Click to
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5-Year Return on Average Assets 0.24%
Net Income 5.77M
Net Interest Spread 3.04%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 64.52%
Return on Assets 0.67%
Return on Equity 7.06%