First Capital Bank (FDIC #34966): Bank Stress & Real-Estate Credit Exposure
First Capital Bank (FDIC Cert #34966): bank stress 70/100, elevated, STABLE over 7 days; parent FIRST CAPITAL BANCSHARES INC.
First Capital Bank (#34966) lends in 3 counties across 2 states; First Capital Bank (#34966) reaches 57 ZIP codes: South Carolina 2 counties, 38 ZIPs; North Carolina 1 county, 19 ZIPs.
First Capital Bank (#34966) largest markets: Charleston County, SC (62 branches, 31 ZIPs) (#34966), Moore County, NC (19 branches, 19 ZIPs) (#34966), Dorchester County, SC (15 branches, 15 ZIPs) (#34966).
First Capital Bank (#34966) reports $1.32 billion in total assets; First Capital Bank (#34966) equity $123.2 million (9.3% of First Capital Bank (#34966) assets); First Capital Bank (#34966) domestic deposits $1.11 billion; First Capital Bank (#34966) net income $7.0 million; First Capital Bank (#34966) return on assets 1.14%; First Capital Bank (#34966) return on equity 12.23%; First Capital Bank (#34966) net interest income $20.3 million; First Capital Bank (#34966) call report June 30, 2026.
First Capital Bank (#34966) noncurrent real-estate loans: none reported; First Capital Bank (#34966) net charge-offs on real estate 0.11%.
First Capital Bank (#34966) net interest margin 3.47% against an eight-quarter First Capital Bank (#34966) average of 3.31% (First Capital Bank (#34966) compression -0.17 points); First Capital Bank (#34966) rate-exposure score 40/100, First Capital Bank (#34966) fixed-rate trap 40/100; First Capital Bank (#34966) risk type credit driven; First Capital Bank (#34966) rate regime rates elevated, First Capital Bank (#34966) snapshot October 20, 2026.
First Capital Bank (#34966) stress score moved from 69.5 on June 22, 2026 to 70.2 on October 20, 2026; First Capital Bank (#34966) ranged 69.5 to 70.2 over 117 snapshots.
First Capital Bank (#34966) alerts: 3 counties; top First Capital Bank (#34966) alert scores: Mount Pleasant County, SC 24 (low); Pinehurst County, SC 24 (low); Summerville County, SC 24 (low).