What is First Capital Bank's financial health grade?

First Capital Bank has a TFS Financial Health Grade of C- (score: 70.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Capital Bank have?

First Capital Bank has 4 branch locations across the United States.

Is First Capital Bank FDIC insured?

Yes, First Capital Bank is FDIC insured (Certificate #34966).

What are the total assets of First Capital Bank?

First Capital Bank has total assets of $1.1B as reported in its most recent FDIC filing.

First Capital Bank

BankCharleston, South Carolina

www.bankwithfirstcapitalbank.com

Total Assets

$1.1B

Total Deposits

$941.7M

Branches

Established

1999

TFS Health Grade

C-

70.1 / 100

Average financial health

How we grade

First Capital Bank is a bank headquartered in Charleston, South Carolina, established in 1999. With $1.1B in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (70.1/100).

Capital & Safety

Tier 1 Capital Ratio

9.50%(8%)

Total Capital Ratio

12.04%(10%)

Non-Performing Loan Ratio

0.11%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

10.88%(10%)

Net Interest Margin

3.39%

Efficiency Ratio

56.90%(60%)

Lending & Liquidity

Total Loans

$988.6M

Loan-to-Deposit Ratio

103.93%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+17.99%

Deposit Growth (YoY)

+19.65%

Net Income

$10.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Capital BankHQ	304 Meeting St	Charleston	SC	11
First Capital Bank	5 Village Green Road West	Pinehurst	NC	11
First Capital Bank	2191 N Highway 17	Mount Pleasant	SC	11
First Capital Bank	234 N Main St	Summerville	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.