BlastPoint's Banking Scorecard
First Reliance Bank
Designations: ✓ Community bank
Florence, SC
11 branches across SC
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 -3.1% year over year ($922.0M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.21%.
- Efficiency ratio 66.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.96% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Reliance Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.6% in tier
- + Nonperforming Asset Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.9% in tier
- - Credit Risk Growth: Bottom 16.2% in tier
- - Capital Constraint: Bottom 37.5% in tier
- - ROA 0.18% below tier average
- - Efficiency Ratio 6.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.3% YoY
+0.8% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.9% in tier |
| Total Loans ? |
$829.5M
+4.9% YoY
+2.7% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$922.0M
-3.1% YoY
-0.9% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.6% in tier |
| Return on Assets ? |
1.21%
+13.2% YoY
-9.1% QoQ
|
-0.18% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.87%
+4.9% YoY
+1.1% QoQ
|
+0.00% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
66.43%
-1.2% YoY
+5.1% QoQ
|
+6.71% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.08%
+191.2% YoY
-70.6% QoQ
|
-0.79% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
Top 9.8% in tier |
| Loan-to-Deposit Ratio ? |
89.96%
+8.2% YoY
+3.7% QoQ
|
+4.93% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
27.26%
+17.7% YoY
+1.8% QoQ
|
+5.99% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.06%
+198.5% YoY
-70.0% QoQ
|
-0.62% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
Top 9.6% in tier |
| Tier 1 Capital Ratio ? |
13.16%
+11.1% YoY
+0.9% QoQ
|
-1.69% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
-12.1% YoY
+84.0% QoQ
|
+0.08% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Top 13.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.3%
+4.1pp YoY +0.5pp QoQ |
+5.9pp | 21.4% | 21.7% | 22.2% | 77% |
| Brokered Deposits |
9.7%
+0.4pp YoY +2.7pp QoQ |
+0.2pp | 9.5% | 10.6% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
+0.9pp YoY -0.1pp QoQ |
-5.4pp | 14.0% | 9.8% | 12.5% | 38% |
| CRE |
52.1%
-1.6pp YoY -0.3pp QoQ |
+2.1pp | 50.0% | 43.3% | 41.4% | 57% |
| 1-4 Family |
38.3%
+1.8pp YoY +0.6pp QoQ |
+11.8pp | 26.4% | 44.4% | 31.3% | 80% |
| Consumer |
1.1%
-1.0pp YoY -0.2pp QoQ |
-3.6pp | 4.7% | 4.5% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+1.3pp YoY +0.1pp QoQ |
-2.4pp | 15.6% | 18.1% | 19.7% | 44% |
| Leverage Ratio |
10.5%
+0.8pp YoY 0.0pp QoQ |
-0.8pp | 11.3% | 12.3% | 12.6% | 50% |
| Total Capital Ratio |
14.3%
+1.4pp YoY +0.1pp QoQ |
-2.4pp | 16.7% | 19.1% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
164
-1 (-0.6%) YoY +6 (+3.8%) QoQ |
-150 | 313 | 174 | 482 | 29% |
| Assets per Employee ($) |
$6.9M
+2.9% YoY -2.9% QoQ |
-$3.6M | $10.5M | $7.8M | $8.8M | 22% |
| Branch Count |
11
+1 (+10.0%) YoY 0 QoQ |
-9 | 20 | 12 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.8pp | 0.8% | 0.5% | 1.0% | 8% |
| Allowance Coverage |
14.91x
-64.2% YoY +239.6% QoQ |
-3.80x | 18.71x | 15.59x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+0.4pp YoY -1.3pp QoQ |
-0.5pp | 12.6% | 11.7% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 1.9% | 1.6% | 1.7% | 42% |
| Net Income ($, YTD) |
$6.7M
+15.7% YoY — QoQ |
-$12.5M | $19.2M | $9.6M | $40.4M | 21% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.