First Capital Bank
Charleston, SC
IDRSSD: 2849463
Total Assets
$1.12B
Latest filing
Total Deposits
$923.98M
Latest filing
Net Interest Margin
3.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Capital Bank
304 Meeting St
Charleston, SC 29401
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/27/1999FDIC Certificate 62140
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Capital Bank (Main) | 304 Meeting St | Charleston, SC |
| SUMMERVILLE BRANCH | 234 N Main St | Summerville, SC |
| N. HWY 17 MT. PLEASANT BRANCH | 2191 N Highway 17 | Mount Pleasant, SC |
| DOWNTOWN PINEHURST BRANCH | 5 Village Green Road West | Pinehurst, NC |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/27/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29401 |
| State and County Number | 45019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charleston-North Charleston, SC |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/17/2025 |
| Date of Deposit Insurance | 09/27/1999 |
| Primary Insurance Agency | DIF |
| Website | www.bankwithfirstcapital.com |
| Data Updated | 11/14/2025 |
| CERT | 34966 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.12B |
| Total Deposits | $923.98M |
| Total Liabilities | $1.02B |
| Total Equity Capital | $102.30M |
| Net Income | $2.81M |
| Net Loans and Leases | $932.50M |
| Assets Per Employee ($Millions) | $12.5M |
| Bank Premises and Fixed Assets | $10.95M |
| Cash and Balances due from Depository Institutions | $79.54M |
| Deposits Held in Domestic Offices | $923.98M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 11.19% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 58.67% |
| Tier 1 Risk-Based Capital Ratio | 11.24% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.094% |
| Earning Assets to total Assets | 95.28% |
Income and Expense
| Total Interest Income | $17.14M |
| Total Noninterest Income | $448.00k |
| Total Interest Expense | $8.25M |
| Total Noninterest Expense | $5.48M |
| Net Interest Income | $8.89M |
| Pre-tax Net Operating Income | $3.56M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $87.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $272.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.67M |
| Total Liabilities and Capital | $1.12B |
Securities
| Securities | $62.02M |
| Available-for-sale debt securities | $48.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $13.60M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Capital Bank?
$1.12B as of the latest filing.
How much are First Capital Bank's total deposits?
$923.98M in total deposits.
Where is First Capital Bank located?
Charleston, SC.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
5.
When was it established?
09/27/1999.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$932.50M (latest filing).
What is the total interest income (latest filing)?
$17.14M.