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Overview / Commentary
909 South Main Street
Laurinburg, NC 28352

First Capital Bank (NC) is headquartered in Laurinburg and is the 50th largest bank in the state of North Carolina. It is also the 5,165th largest bank in the nation. It was established in 1999 and as of September of 2017, it had grown to 21 employees at 2 locations. First Capital Bank (NC) has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Capital Bank (NC) has a relatively low asset base.

Health Grade Components

FDIC Certificate #34966
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD4.52%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$52.4MM$53.6MM
LoansQ3 2017vs Q3 2016$44.5MM$43.8MM
DepositsQ3 2017vs Q3 2016$43.5MM$45.1MM
Equity CapitalQ3 2017vs Q3 2016$8.4MM$8.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$718.00K$776.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.4MM$2.0MM
Real Estate OwnedQ3 2017vs Q3 2016$0$247.00K

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First Capital Bank (NC) Locations
First Capital Bank909 South Main StreetLaurinburg, NC 28352
909 South Main Street Branch207 Highway 15-401 By-Pass EastBennettsville, SC 29512