FIRST CAPITAL BANK

CHARLESTON, SC · Supervised by FDIC

Est. 1999FDIC #34,966RSSD: FDIC-34966

Part ofFIRST CAPITAL BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.12%

Institution Profile

FDIC BankFind

Website

www.bankwithfirstcapitalbank.com

Address

304 Meeting St, CHARLESTON, SC

County

Charleston County

Established

September 27, 1999

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$1.0B

Net Income

$3M

ROA

1.12%

ROE

12.14%

Risk-Based Capital

12.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate9.18%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$856M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	98	82.65%	9.18%
2023	150	86%	5.33%
2019	123	85.37%	4.88%
2018	34	100%	0.00%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2016

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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