| Metric | First Reliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.5% | -3.1 pts |
| Deposit growth (YoY) | -3.1% | +5.1% | -8.1 pts |
| Loan growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| ROA | 1.21% | 1.26% | -0.0 pts |
| ROE | 12.1% | 12.2% | -0.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.13B | $922.0M | $829.5M | $114.2M | $6.7M | 1.21% | 3.87% | 0.06% |
| Q1 2026 | $1.12B | $930.8M | $807.7M | $111.7M | $3.7M | 1.34% | 3.83% | 0.19% |
| Q4 2025 | $1.09B | $949.9M | $783.4M | $108.7M | $12.0M | 1.10% | 3.78% | 0.22% |
| Q3 2025 | $1.10B | $961.3M | $784.6M | $105.0M | $8.8M | 1.08% | 3.74% | 0.03% |
| Q2 2025 | $1.10B | $951.3M | $791.1M | $102.3M | $5.8M | 1.07% | 3.68% | 0.02% |
| Q1 2025 | $1.10B | $983.5M | $798.2M | $98.9M | $1.8M | 0.68% | 3.64% | 0.09% |
| Q4 2024 | $1.07B | $956.2M | $766.2M | $96.9M | $7.4M | 0.71% | 3.43% | 0.11% |
| Q3 2024 | $1.07B | $957.3M | $750.8M | $98.9M | $6.0M | 0.78% | 3.38% | 0.09% |
Loan mix (Q2 2026): real estate $757.4M · commercial $71.0M · consumer $9.4M · securities $188.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 59.0% | 72nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 6 counties across 1 state (-2 vs 2024) · $951.3M branch deposits. Biggest market: Florence, SC, ranked 4th with 9.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Florence, SC | 2 | $389.9M | 9.54% | 4th |
| Charleston, SC | 2 | $178.7M | 0.87% | 24th |
| Lexington, SC | 2 | $135.7M | 1.78% | 16th |
| 3 more counties with Pro → | ||||
South Carolina: 32nd with 0.63% · Florence metro: 6th, 7.75% · Columbia metro: 19th, 0.86% ·
Branch count: 2022 11 · 2023 11 · 2024 12 · 2025 10