BlastPoint's Banking Scorecard
First Capital Bank
Designations: ✓ Community bank
Charleston, SC
4 branches across SC · NC
First Capital Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.7% in tier
- + Efficiency Ratio 7.43% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.1% in tier
- - Non-Interest-Bearing Deposit Share 12.32% below tier average
- - ROA 0.24% below tier average
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+22.5% YoY
+8.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$1.0B
+24.3% YoY
+7.0% QoQ
|
-$917.6M |
$2.0B
+0.6% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$1.0B
+25.6% YoY
+11.2% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.12%
+33.0% YoY
+11.4% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.49%
+4.3% YoY
+3.0% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
53.63%
-9.6% YoY
-5.7% QoQ
|
-7.43% |
61.06%
-4.6% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.10%
+37.2% YoY
-9.0% QoQ
|
-0.79% |
0.89%
+14.1% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
Top 11.9% in tier |
| Loan-to-Deposit Ratio ? |
99.98%
-1.0% YoY
-3.8% QoQ
|
+15.78% |
84.20%
+0.3% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.97%
-7.7% YoY
-19.9% QoQ
|
-12.32% |
21.29%
-2.5% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+39.3% YoY
-10.5% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
Top 12.6% in tier |
| Tier 1 Capital Ratio ? |
10.95%
-6.0% YoY
+0.1% QoQ
|
-4.21% |
15.16%
+2.0% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.05%
+84.6% YoY
-76.9% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.1% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.