Overview / Commentary
909 South Main Street
Laurinburg, NC 28352

First Capital Bank (NC) is headquartered in Laurinburg and is the 40th largest bank in the state of North Carolina. It is also the 4,487th largest bank in the nation. It was established in 1999 and as of June of 2018, it had grown to 28 employees at 2 locations. First Capital Bank (NC) has an A 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 - YTD0.2%
Return on Equity - YTD0.81%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$81.6MM$52.4MM
LoansQ2 2018vs Q2 2017$57.1MM$44.4MM
DepositsQ2 2018vs Q2 2017$61.0MM$43.8MM
Equity CapitalQ2 2018vs Q2 2017$20.1MM$8.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$602.00K$718.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.0MM$1.5MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0

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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
Charleston Main304 Meeting StreetCharleston, SC 29401

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