BlastPoint's Banking Scorecard
First Reliance Bank
Community
Specialty: Commercial
SC
FDIC cert 35214
Florence, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
First Reliance Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 46% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.4% YoY
-0.4% QoQ
|
-$299.9M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$783.4M
+2.2% YoY
-0.2% QoQ
|
-$192.1M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$949.9M
-0.7% YoY
-1.2% QoQ
|
-$214.7M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.10%
+55.3% YoY
+1.9% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.78%
+10.3% YoY
+1.2% QoQ
|
+0.12% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
67.57%
-10.7% YoY
+0.2% QoQ
|
+4.94% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.31%
+101.7% YoY
+566.1% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
82.47%
+2.9% YoY
+1.0% QoQ
|
-0.59% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+11.1% YoY
-11.8% QoQ
|
+5.95% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.22%
+101.3% YoY
+567.7% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
12.72%
+2.4% YoY
+2.0% QoQ
|
+2.48% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
1.26%
+48.7% YoY
+30.4% QoQ
|
+0.52% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#170 of 371 · Top 46% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.26%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#58 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 26.99% · Tier avg: 21.05%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.47% · Tier avg: 83.06%
56
56th pctile
Total Deposits
Current: $949.9M · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $783.4M · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.72% · Tier avg: 10.24%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
33
33th pctile
Efficiency Ratio
Current: 67.57% · Tier avg: 62.63%
Top Weaknesses
33
33th pctile
Efficiency Ratio
Current: 67.57% · Tier avg: 62.63%
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Tier 1 Capital Ratio
Current: 12.72% · Tier avg: 10.24%
56
56th pctile
Total Loans
Current: $783.4M · Tier avg: $975.5M
56
56th pctile
Total Deposits
Current: $949.9M · Tier avg: $1.2B
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.47% · Tier avg: 83.06%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 26.99% · Tier avg: 21.05%
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%