🏦Bank Scorer

FIRST RELIANCE BANK

FLORENCE, SC · Supervised by FDIC

Est. 1999FDIC #35,214RSSD: FDIC-35214
Part ofFIRST RELIANCE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

2170 W Palmetto St, FLORENCE, SC

County

Florence County

Established

August 16, 1999

Total Assets

$1.1B(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

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$931M

Net Loans

$808M

Net Income

$4M

ROA

1.34%

ROE

13.39%

Risk-Based Capital

14.15%

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 Rate5.31%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$951M

1-Year Change

-2

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,35784.08%5.31%
20231,13784.26%5.63%
20221,30682.85%7.27%
20212,77686.06%7.85%
20203,57687.22%6.77%
20192,14486.24%7.32%
20181,76783.81%6.51%

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 3 exams

6 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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