# FIRST CAPITAL BANK
CHARLESTON, SC · FDIC certificate 34966 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.32B | |
| Deposits | $1.11B | |
| Loans and leases | $1.09B | |
| Total equity | $123.2M | |
| Loans / deposits | 97.35% (p80 of band) | 87.10% |
| Liquid assets / assets | 13.16% (p15 of band) | |
| Uninsured deposits / deposits | 27.15% (p38 of band) | 30.76% |
| Brokered deposits | 10.46% | |
| Wholesale funding | 16.07% (p82 of band) | |
| FHLB advances / assets | 5.61% | |
| Tier 1 leverage | 9.58% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -0.58% (p92 of band) | -7.75% |
| AOCI / equity | -0.04% (p70 of band) | |
| ROA (annualized) | 1.14% (p40 of band) | 1.26% |
| Net interest margin | 3.47% (p36 of band) | 3.70% |
| Efficiency ratio | 53.34% (p34 of band) | |
| Noncurrent loans | 0.10% (p14 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 992.62% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 77.43% (p77 of band) | |
| Auto loans | $1.3M (0.12% of loans; DQ 6.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 29.4% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | loans exceed deposits | charge-offs p90 |
| 2011-09 | 4 | charge-offs p90 | reserve under noncurrent, loans exceed deposits |
| 2011-12 | 5 | noncurrent p90, reserve under noncurrent | liquid assets <10% |
| 2012-03 | 4 |  | noncurrent p90 |
| 2012-06 | 8 | liquid assets <10%, losing money, noncurrent p90, uninsured deposits leaving |  |
| 2012-09 | 9 | deposits shrinking, assets shrinking | liquid assets <10% |
| 2012-12 | 5 |  | charge-offs p90, losing money, deposits shrinking, assets shrinking |
| 2013-03 | 7 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  | wholesale funding >15%, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | deposits shrinking | brokered >10% |
| 2014-03 | 1 |  | noncurrent p90, deposits shrinking |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | loans exceed deposits |  |
| 2015-06 | 4 |  | loans exceed deposits |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 3 | loans exceed deposits |  |
| 2016-03 | 3 | charge-offs p90 | loans exceed deposits |
| 2016-06 | 4 | loans exceed deposits |  |
| 2016-09 | 3 |  | loans exceed deposits |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2018-03 | 2 | expense ratio p90 | noncurrent p90 |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | reserve under noncurrent |
| 2018-12 | 3 | losing money |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2020-03 | 2 | capital falling | losing money, loans exceed deposits, wholesale funding >15% |
| 2020-06 | 1 |  | expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 0 |  | construction >100% equity |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | capital falling | construction >100% equity |
| 2023-12 | 3 | brokered >10% | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | liquid assets <10% | brokered >10% |
| 2025-03 | 2 |  | liquid assets <10% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | liquid assets <10%, construction >100% equity |  |
| 2026-03 | 2 | brokered >10% | loans exceed deposits, liquid assets <10%, construction >100% equity |
| 2026-06 | 2 |  |  |

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

- 2026-07-21 [First Capital Bank Elects Elizabeth Krawcheck Rodgers to Board of Directors - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxQX2hvajE2bU5ZYU5ZWE93dHJZaUN3SVo1MkFCZmN3TzNBYW5ORUpYMU1YVzFnd1l2dmdhVVI3SjZyeE5hbElQUFJSNExSeFNSV0VmSmhBSlZ5LXRfZkk5ZklzeWpMcWsxcGVIa3lTX2JLa004OTRUSVRLT2hVTVlpa01NZWZkdy1DZm9NbDA4OGY1dV8zVHFVejktdU5YTlk5M1E?oc=5) · Yahoo Finance
- 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
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-03 [First Capital Bank Announces Executive Chairman Harvey L. Glick's Appointment to South Carolina Governor's School Board - Yahoo Finance](https://news.google.com/rss/articles/CBMijAFBVV95cUxOb3A0eUotaVlvZWpibFpkVGJFS0R1anl2cWNZdGFRTHp3TWlTeWxCaHBXNmRWTHVsY2hpem1VQzdfcHNBZGJ4NEJNbHVaNDh5aUxEUkF6TzNFNlpnXzBJV041YWREZHV3V3FoQTdRUVVWQUNMVF9BSzFwclZHOGticUQ1VkhjZlFmQl90Ug?oc=5) · Yahoo Finance
- 2025-02-19 [First Capital Bank Appoints Andy Thomas as New Lowcountry Market President - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxOZ0FGQ016ZE9TbFNJbThtWjlrN3daR0JMdmxPZmJLS1VSQ0hWdUpIMDhKdlVMOTdnXzdqMVRXNVFycTl6ekpLSms4OVJjWkNLbWpuWmQ4UDhSMVpDSkVqamU0T2d2ajhqMFN3WnhoR3U1dUlreVRVWjF3d0thbE9ZLUc4N3RteFBDVTlUT0wweDB4TzFDRGtGd285WE5MWFNXc0Raa0lOaXU1cklpSlFDOXZlejRyalFCNGFsMEFHRzYwYTVHUHVxU2Rn?oc=5) · PR Newswire
- 2023-09-07 [First Capital Bank: Bank with Your Heart - Mount Pleasant Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxOU2NOMVVCQ0lwczRSc2lRSWlrd2s3dWFUeVlnSEtqajI1ZkczTTRIbDh0V3RWaTBkUnZoSDd6RDJIREFwRkxKcEJRcFBCQ3p1RXVlYU02dTkwRFRZUXh4dkhxSVRJTEloTC1JejQzNTJEX1luTlE3cmxVVUdiUlFJMEMzcXh2UjEyeUV1bDRBZVdGbUU?oc=5) · Mount Pleasant Magazine
- 2025-04-10 [First Capital Bank Breaks $1 Billion - The Pilot Newspaper](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNUlcwMzhFekNZNU9Nd092d0txVk1xQURTaDU2Tk0yUzlndUdmbmIwS1ZmaUdqOWF5Q093NnpPaG9yajRURDJSaG9uM1hmX211Q1pzaG9USzNnb0VQam9CZExES05IdjBKMVVGOVlJZHBiOXM4cjVieHJhVmFFT2VPRzBoRXZzQ2FmSkVpNzNfc3BZMDBzUkVCZVBtZXNJTXBza1lmNWxucm8zaDZNSlUxVEhUMmJMZTJCak1Z?oc=5) · The Pilot Newspaper
- 2022-01-05 [SC gains a bank as First Capital switches charter from NC - Post and Courier](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNY2R3YXROOVppdGpLSDJ2SUNYUTh1ZlJTcWNSeGk4OGxsMFBWbGh3OTAxZmE4YlR6WUlHQ0xyUWY3a0daOUhpbkpqRzJJbXoyanpSWXJ2Y0pzdF9Cb0NoSjFGazFJQ2RITUNoaVBNaWhoUGNua3NQT3lnRWRkV2tacWZ0Uy10cUgxb1M4VTR3ODhJMVJNb3NwcWlxUzZiODlyTm4wQ1hQUkFjVmphRnFNb1B6eDc0OVJkWE44ZTREZXlXbm5jbkNhZnBCcVRiM2Q3LXo3eGFXZnV5WmhKbjVkQg?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34966 (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/22.json (key "34966", 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