BlastPoint's Banking Scorecard

First Capital Bank

$1B-$10B Specialty: Commercial SC FDIC cert 34966

Designations: ✓ Community bank

Charleston, SC

4 branches across SC · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
Deposits +29.4% year over year ($1.1B on the books).
Delinquency rate 0.10%.
Return on assets 1.14%.
Efficiency ratio 53.34% vs a 59.73% peer average.
Loan-to-deposit ratio 97.35% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 13 in SC

View $1B-$10B leaderboard (SC) →

First Capital Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 31.7% in tier
+ Efficiency Ratio 6.39% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.3% in tier
- Non-Interest-Bearing Deposit Share 13.25% below tier average
- Non-Interest Income / Assets 0.43% below tier average
- ROA 0.26% below tier average
- Net Interest Margin 0.40% below tier average

Get updates when First Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$1.3B +25.3% YoY +6.3% QoQ	-$1.5B	$2.8B -0.6% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$1.1B +22.1% YoY +3.0% QoQ	-$884.0M	$2.0B -0.3% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$1.1B +29.4% YoY +5.8% QoQ	-$1.2B	$2.3B -0.5% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.14% +28.9% YoY +1.2% QoQ	-0.26%	1.39% +17.0% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.47% +3.6% YoY -0.4% QoQ	-0.40%	3.87% +6.2% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	53.34% -10.8% YoY -0.5% QoQ	-6.39%	59.73% -12.6% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.10% +10.6% YoY +1.5% QoQ	-0.76%	0.87% +11.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	Top 12.2% in tier
Loan-to-Deposit Ratio ?	97.35% -5.7% YoY -2.6% QoQ	+12.31%	85.04% -0.1% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	8.02% -18.1% YoY -10.6% QoQ	-13.25%	21.27% -1.5% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Bottom 7.6% in tier
Nonperforming Asset Ratio ?	0.09% +7.7% YoY -1.7% QoQ	-0.59%	0.67% +11.7% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	Top 13.4% in tier
Tier 1 Capital Ratio ?	9.58% -18.0% YoY -12.5% QoQ	-5.26%	14.84% -0.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	Bottom 2.4% in tier
Non-Interest Income / Assets ?	0.09% +39.5% YoY +88.6% QoQ	-0.43%	0.53% +2.5% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	Bottom 8.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Noninterest-Bearing	8.0% -1.8pp YoY -0.9pp QoQ	-13.3pp	21.4%	21.7%	22.2%	7%
Brokered Deposits	12.4% +2.1pp YoY +0.2pp QoQ	+3.0pp	9.5%	10.6%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	8.5% +0.6pp YoY +0.8pp QoQ	-5.5pp	14.0%	9.8%	12.5%	37%
CRE	49.4% +3.4pp YoY +1.1pp QoQ	-0.6pp	50.0%	43.3%	41.4%	48%
1-4 Family	42.7% -3.5pp YoY -1.8pp QoQ	+16.3pp	26.4%	44.4%	31.3%	84%
Consumer	0.5% -0.3pp YoY 0.0pp QoQ	-4.2pp	4.7%	4.5%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	18.1%	19.7%	n/a
Leverage Ratio	9.6% -0.2pp YoY +0.1pp QoQ	-1.7pp	11.3%	12.3%	12.6%	24%
Total Capital Ratio	n/a	n/a	16.7%	19.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	98 +9 (+10.1%) YoY 0 QoQ	-216	313	174	482	6%
Assets per Employee ($)	$13.5M +13.8% YoY +6.3% QoQ	+$3.0M	$10.5M	$7.8M	$8.8M	85%
Branch Count	4 -1 (-20.0%) YoY 0 QoQ	-16	20	12	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.5%	1.0%	11%
Allowance Coverage	9.93x -9.8% YoY +0.6% QoQ	-8.78x	18.71x	15.59x	20.23x	89%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	12.2% +2.8pp YoY +0.1pp QoQ	-0.4pp	12.6%	11.7%	11.6%	50%
Cost of Funds (YTD)	3.0% -0.1pp YoY 0.0pp QoQ	+1.1pp	1.9%	1.6%	1.7%	96%
Net Income ($, YTD)	$7.0M +57.3% YoY — QoQ	-$12.2M	$19.2M	$9.6M	$40.4M	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#71 of 221 • Top 31.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#22 of 492 • Bottom 4.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

109

Delinquency Rate

credit_quality

Value: 0.10%

Peer Median: 0.87%

#109 of 882 Top 12.2% in $1B-$10B

120

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#120 of 885 Top 13.4% in $1B-$10B

Top Weaknesses (6 metrics)

865

Tier 1 Capital Ratio

capital

Value: 9.58%

Peer Median: 14.84%

#865 of 885 Bottom 2.4% in $1B-$10B

819

Non-Interest-Bearing Deposit Share

funding

Value: 8.02%

Peer Median: 21.27%

#819 of 885 Bottom 7.6% in $1B-$10B

807

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#807 of 885 Bottom 8.9% in $1B-$10B

705

Loan-to-Deposit Ratio

liquidity

Value: 97.35%

Peer Median: 85.04%

#705 of 885 Bottom 20.5% in $1B-$10B

677

Total Assets

size

Value: $1.32B

Peer Median: $2.79B

#677 of 885 Bottom 23.6% in $1B-$10B

676

Total Deposits

size

Value: $1.11B

Peer Median: $2.32B

#676 of 885 Bottom 23.7% in $1B-$10B