First Reliance Bank
Florence, SC
IDRSSD: 2839790
Total Assets
$1.09B
Latest filing
Total Deposits
$949.89M
Latest filing
Net Interest Margin
3.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053208008FLORENCE, SC
Key People
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Locations
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Main Office
First Reliance Bank
2170 W Palmetto St
Florence, SC 29501
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/16/1999FDIC Certificate 76181
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Reliance Bank (Main) | 2170 W Palmetto St | Florence, SC |
| SECOND LOOP BRANCH | 411 2nd Loop Rd | Florence, SC |
| LEXINGTON NORTH LAKE DR BRANCH | 801 N Lake Dr | Lexington, SC |
| GREENVILLE DOWNTOWN BRANCH | 500 E Washington St | Greenville, SC |
| MOUNT PLEASANT BRANCH | 800 S Shelmore Blvd | Mount Pleasant, SC |
| SIMPSONVILLE BRANCH | 150 Highway 14 | Simpsonville, SC |
| SUNSET BLVD, WEST COLUMBIA BRANCH | 2805 A Sunset Blvd | West Columbia, SC |
| MYRTLE BEACH BRACH | 507 21st Ave N | Myrtle Beach, SC |
Showing 7 of 9
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/16/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29501 |
| State and County Number | 45041 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Florence, SC |
Operational Info
| Number of Employees | 163 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/27/2025 |
| Date of Deposit Insurance | 08/16/1999 |
| Primary Insurance Agency | DIF |
| Website | firstreliance.com |
| Data Updated | 01/30/2026 |
| CERT | 35214 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.09B |
| Total Deposits | $949.89M |
| Total Liabilities | $982.85M |
| Total Equity Capital | $108.68M |
| Net Income | $3.17M |
| Net Loans and Leases | $783.35M |
| Assets Per Employee ($Millions) | $7.04M |
| Bank Premises and Fixed Assets | $28.02M |
| Cash and Balances due from Depository Institutions | $32.57M |
| Deposits Held in Domestic Offices | $949.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 11.89% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 67.89% |
| Tier 1 Risk-Based Capital Ratio | 12.721% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.957% |
| Earning Assets to total Assets | 92.29% |
Income and Expense
| Total Interest Income | $14.22M |
| Total Noninterest Income | $3.17M |
| Total Interest Expense | $4.35M |
| Total Noninterest Expense | $8.85M |
| Net Interest Income | $9.87M |
| Pre-tax Net Operating Income | $4.11M |
| Provision for Credit Losses | $76.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.96M |
| Total Liabilities and Capital | $1.09B |
Securities
| Securities | $195.90M |
| Available-for-sale debt securities | $195.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Reliance Bank?
$1.09B as of the latest filing.
How much are First Reliance Bank's total deposits?
$949.89M in total deposits.
Where is First Reliance Bank located?
Florence, SC.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
10.
When was it established?
08/16/1999.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$783.35M (latest filing).
What is the total interest income (latest filing)?
$14.22M.