First Reliance Bank (FDIC #35214): Bank Stress & Real-Estate Credit Exposure
First Reliance Bank (FDIC Cert #35214): bank stress 66/100, elevated, STABLE over 7 days; parent FIRST RELIANCE BANCSHARES INC.
First Reliance Bank (#35214) lends in 6 counties across 1 state; First Reliance Bank (#35214) reaches 124 ZIP codes: South Carolina 6 counties, 124 ZIPs.
First Reliance Bank (#35214) largest markets: Charleston County, SC (62 branches, 31 ZIPs) (#35214), Greenville County, SC (54 branches, 27 ZIPs) (#35214), Richland County, SC (25 branches, 25 ZIPs) (#35214), Lexington County, SC (36 branches, 18 ZIPs) (#35214), Horry County, SC (32 branches, 16 ZIPs) (#35214), Florence County, SC (24 branches, 12 ZIPs) (#35214).
First Reliance Bank (#35214) reports $1.13 billion in total assets; First Reliance Bank (#35214) equity $114.2 million (10.1% of First Reliance Bank (#35214) assets); First Reliance Bank (#35214) domestic deposits $922.0 million; First Reliance Bank (#35214) net income $6.7 million; First Reliance Bank (#35214) return on assets 1.21%; First Reliance Bank (#35214) return on equity 12.09%; First Reliance Bank (#35214) net interest income $19.9 million; First Reliance Bank (#35214) call report June 30, 2026.
First Reliance Bank (#35214) noncurrent real-estate loans: none reported; First Reliance Bank (#35214) net charge-offs on real estate 0.07%; First Reliance Bank (#35214) residential charge-offs 0.09%.
First Reliance Bank (#35214) net interest margin 3.87% against an eight-quarter First Reliance Bank (#35214) average of 3.67% (First Reliance Bank (#35214) compression -0.20 points); First Reliance Bank (#35214) non-residential real estate 8.9% of equity; First Reliance Bank (#35214) rate-exposure score 40/100, First Reliance Bank (#35214) fixed-rate trap 40/100; First Reliance Bank (#35214) risk type credit driven; First Reliance Bank (#35214) rate regime rates elevated, First Reliance Bank (#35214) snapshot October 20, 2026.
First Reliance Bank (#35214) stress score moved from 62.4 on June 22, 2026 to 65.7 on October 20, 2026; First Reliance Bank (#35214) ranged 62.4 to 65.7 over 117 snapshots.
First Reliance Bank (#35214) alerts: 6 counties; top First Reliance Bank (#35214) alert scores: Florence County, SC 39 (moderate); Columbia County, SC 23 (low); Mount Pleasant County, SC 23 (low); Myrtle Beach County, SC 23 (low); Simpsonville County, SC 23 (low).