BlastPoint's Banking Scorecard
First Capital Bank
Community
Specialty: Commercial
SC
FDIC cert 34966
Charleston, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
First Capital Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Community
- - Loan-to-Deposit Ratio 20.86% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+18.0% YoY
+1.3% QoQ
|
-$252.2M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$978.6M
+17.9% YoY
+4.9% QoQ
|
+$3.2M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$941.7M
+19.6% YoY
+1.9% QoQ
|
-$222.9M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.01%
+51.9% YoY
+8.1% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.39%
+10.6% YoY
+0.5% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
56.90%
-11.8% YoY
-4.2% QoQ
|
-5.74% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.11%
+46.8% YoY
+314.2% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
103.93%
-1.5% YoY
+3.0% QoQ
|
+20.86% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.20%
+8.8% YoY
+18.7% QoQ
|
-9.85% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+46.7% YoY
+329.2% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.94%
-5.6% YoY
-2.7% QoQ
|
+0.69% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.21%
+96.9% YoY
+109.5% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#46 of 371 · Top 12% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#70 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.93%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
68
68th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
67
67th pctile
Total Loans
Current: $978.6M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $941.7M · Tier avg: $1.2B
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 10.24%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.20% · Tier avg: 21.05%
13
13th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.93% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.93% · Tier avg: 83.06%
13
13th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.20% · Tier avg: 21.05%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 10.24%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
56
56th pctile
Total Deposits
Current: $941.7M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $978.6M · Tier avg: $975.5M
68
68th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%