# FIRST CAPITAL BANK
GLEN ALLEN, VA · FDIC certificate 34802 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $625.1M | |
| Deposits | $508.2M | |
| Loans and leases | $507.9M | |
| Total equity | $60.1M | |
| Loans / deposits | 98.44% (p83 of band) | 82.78% |
| Liquid assets / assets | 14.59% (p18 of band) | |
| Uninsured deposits / deposits | 27.19% (p71 of band) | 20.30% |
| Brokered deposits | 6.48% | |
| Wholesale funding | 14.89% (p82 of band) | |
| FHLB advances / assets | 7.20% | |
| Tier 1 leverage | 9.58% (p37 of band) | 10.05% |
| Unrealized securities loss / equity | 0.29% (p46 of band) | 0.46% |
| AOCI / equity | 0.03% (p77 of band) | |
| ROA (annualized) | 0.35% (p9 of band) | 0.91% |
| Net interest margin | 3.73% (p61 of band) | 3.59% |
| Efficiency ratio | 86.01% (p90 of band) | |
| Noncurrent loans | 0.44% (p33 of band) | 0.71% |
| Net charge-offs (annualized) | -0.03% (p10 of band) | |
| Reserve coverage of noncurrent | 341.51% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 198.29% (p99 of band) | |
| Auto loans | $167,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | losing money, charge-offs p90 |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 5 |  | wholesale funding >15% |
| 2012-03 | 4 | wholesale funding >15% | losing money, capital falling |
| 2012-06 | 5 | losing money, expense ratio p90 | wholesale funding >15% |
| 2012-09 | 4 |  | construction >100% equity |
| 2012-12 | 5 | construction >100% equity |  |
| 2013-03 | 1 |  | reserve under noncurrent, charge-offs p90, losing money, expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-21 [First Capital Bank Elects Elizabeth Krawcheck Rodgers to Board of Directors - Nasdaq](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYUdzS2M0VmV6YXZSUVpTNTU2d3pmT05KUy1ocENpdVEyM0VPY3Z2X3RDOVhZenRSX19zd0dTOEprbHpFdjQwZkszd0MtUTlHUTZSRzdlX2hrZGZYMlJrdEZmYXhpZnhGVUVFd04tYnh5dy1EaXVST2tpaGxUUXBaV3p4Zl8wdVQyUWtkd1hqOUU0VHZnRGFSakhYbENkUXFwbXBHRnhKb3dXYzRYYkJYSUxOMFZyektB?oc=5) · Nasdaq
- 2026-07-21 [First Capital Bank Appoints Elizabeth Krawcheck Rodgers to Board of Directors - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWVJ6N004cl9fdkdiY2tvUmV3VHZZMHZoV3hwTzVZRVB1bW1TYktzcE5JUFF5WXRnWWd5UkF1SngtNkdpVUhfZGJQaUJ6Sk83bEpkejItbmV2YUFHbjdSMnhkLU5CTHVOb3pQZVNtYkhpaExubkxTaWhRUmdIaEpINE4zR2Zrb2c4UHowX0lvUjllOWJFUVF0bGx4blk2VHBpR1hnVFM0emhlRW5uWmtSZi1vcHlsSjg?oc=5) · citybiz
- 2015-10-01 [Park Sterling Bank to buy First Capital Bank in Richmond - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxQMWE4dGFDM2lpM2ZKVU5RZlZfYTMtSFN4bzBoZDU3ZTI4bUJhNjNRa1g5UDlBWGVQR1RGYlg1MHdIUUo5RU94RGhBUlE3Z3RqdmVTQThEMklsOF9QTWhxTzlxS3AxYXlJWE9JWHVyR0NZeFdjOFlzWVRCVk44YjJKbGtRNk1fZmdiZDhTVTlwdHFhNkJwcG1FUFpRbEJORFRwQ25CY0kxNlBPOTljU0h2Nw?oc=5) · The Business Journals
- 2024-03-11 [Virginia based Blue Ridge Bank gets shareholder approval for $150M capital raise - wtvr.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcmxJREJMMFlkdVNJb3ZSblJTN1pkNDRHVFpkcEdGT0tJR2piek1zSWZZTGxvVng1U3paaVVCN2NJdnBjN0xtbTRHeFR1a1dJN1VuN0xNVFpRSWNLd1VOMERzX1lzeEl0TkF5M2JIWjBwaENkbk5vcF9XaklmbmxueXpPQnZTdmM?oc=5) · wtvr.com
- 2017-01-31 [Top Richmond banker, Gary Armstrong, joins Bank of Lancaster - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxPRy01Y0FyQU1hYTI5ejVpc3pkeTdYbjRmakhEaXV3ZHB6cTB4VEFxaVNib3RZMTM2d25wWVE4ejl1THRPMHdfR0R2X2tscWxfbFotNjlKc2RkYlNzT2hXTGdnQWZnbm1YNmxtYmNqOURUSjVBcG42eDdBRWlSR1lEbzVvNXcyX0hIZ2diOVN0eEszWEtJZTVBVmVzdjhxVnVKM0RnMDZUT205RXBsemQxamtrMjI?oc=5) · PR Newswire
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2008-05-13 [Thomas Bishop Obituary (2008) - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNN1JPamVXRTIxVHRsbk5qWE5nWlg5NklCUVFFazVmeFFqakZzeWNrVmJCNDlGT05VY0dmVUd5VTllbE1HLTR0ZUoyUm12aTF1Vl8wRjhfbUhyUzlfNTUzM1NaNWt4aGc4eVRaTjRENEduTEl0V1FNRFBVYnlubTNjZlFB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34802 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "34802", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide