BlastPoint's Banking Scorecard

First Reliance Bank

$1B-$10B Specialty: Commercial SC FDIC cert 35214

Designations: ✓ Community bank

Florence, SC

11 branches across SC

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

First Reliance Bank has 2 strengths but faces 3 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

+ Revenue Diversifier: Top 48.0% in tier
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.0% in tier
- Capital Constraint: Bottom 10.8% in tier
- Efficiency Ratio 2.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$1.1B +2.0% YoY +2.3% QoQ	-$1.7B	$2.8B -0.1% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Bottom 11.1% in tier
Total Loans ?	$807.7M +1.2% YoY +3.1% QoQ	-$1.2B	$2.0B +0.6% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$930.8M -5.4% YoY -2.0% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Bottom 9.5% in tier
Return on Assets ?	1.34% +95.2% YoY +21.2% QoQ	-0.03%	1.37% +19.6% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.83% +5.1% YoY +1.1% QoQ	+0.01%	3.82% +6.9% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	63.20% -12.8% YoY -6.5% QoQ	+2.14%	61.06% -4.6% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.26% +119.7% YoY -18.0% QoQ	-0.63%	0.89% +14.1% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	86.78% +6.9% YoY +5.2% QoQ	+2.57%	84.20% +0.3% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	26.79% +15.1% YoY -0.8% QoQ	+5.50%	21.29% -2.5% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.19% +118.0% YoY -17.4% QoQ	-0.49%	0.67% +15.6% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	13.04% +9.4% YoY +2.5% QoQ	-2.12%	15.16% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.33% +37.5% YoY -73.9% QoQ	+0.07%	0.26% +1.6% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	Top 11.2% in tier

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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)

Revenue Diversifier

growth

#107 of 221 • Top 48.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.33%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.34%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#18 of 420 • Bottom 4.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Constraint

risk

#5 of 37 • Bottom 10.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 86.78%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.04%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

100

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.26%

#100 of 884 Top 11.2% in $1B-$10B

216

Non-Interest-Bearing Deposit Share

funding

Value: 26.79%

Peer Median: 21.29%

#216 of 884 Top 24.3% in $1B-$10B

222

Nonperforming Asset Ratio

credit_quality

Value: 0.19%

Peer Median: 0.67%

#222 of 884 Top 25.0% in $1B-$10B

Top Weaknesses (3 metrics)

801

Total Deposits

size

Value: $930.78M

Peer Median: $2.34B

#801 of 884 Bottom 9.5% in $1B-$10B

787

Total Assets

size

Value: $1.12B

Peer Median: $2.82B

#787 of 884 Bottom 11.1% in $1B-$10B

747

Total Loans

size

Value: $807.72M

Peer Median: $1.96B

#747 of 884 Bottom 15.6% in $1B-$10B