First Capital Bank is a bank based in Charleston, South Carolina, established in 1999, with $1.2 billion in total assets across 4 branches. By Trust Grade it ranks 20th of 44 banks we track in South Carolina. Its capital ratio of 9.2% trails most similarly sized banks (27th percentile), versus a South Carolina median of 9.8%. It was profitable over the most recent period, with a 1.12% return on assets. No consumer complaints against First Capital Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Capital Bank compares to South Carolina peers
How we graded First Capital Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Strongly profitable (ROA 1.12%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Capital Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 234 N Main St, Summerville, SC 29483
- 304 Meeting St, Charleston, SC 29401
- 2191 N Highway 17, Mount Pleasant, SC 29466
- 5 Village Green Road West, Pinehurst, NC 28374
Are deposits at First Capital Bank insured?
Yes. First Capital Bank is an FDIC-insured bank (FDIC certificate #34966). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Capital Bank: frequently asked questions
Is First Capital Bank a good bank?
First Capital Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Strongly profitable (ROA 1.12%).
Is First Capital Bank FDIC-insured?
Yes. First Capital Bank is a FDIC-insured bank (FDIC certificate #34966). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Capital Bank?
First Capital Bank holds $1.2 billion in total assets, ranking 20th of 44 banks we track in South Carolina. It operates 4 branches.
Does First Capital Bank have CFPB complaints?
No CFPB complaints against First Capital Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
