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Overview / Commentary
910-610-4343
909 South Main Street
Laurinburg, NC 28352

First Capital Bank (NC) is headquartered in Laurinburg and is the 51st largest bank in the state of North Carolina. It is also the 5,194th largest bank in the nation. It was established in 1999 and as of June of 2017, it had grown to 22 employees at 2 locations. First Capital Bank (NC) has a B health rating.

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Health
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

Overall
FDIC Certificate #34966
Year Established1999
Employees22
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD4.31%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$52.4MM$52.7MM
LoansQ2 2017vs Q2 2016$44.4MM$44.6MM
DepositsQ2 2017vs Q2 2016$43.8MM$44.4MM
Equity CapitalQ2 2017vs Q2 2016$8.3MM$8.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$718.00K$825.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.5MM$2.5MM
Real Estate OwnedQ2 2017vs Q2 2016$0$247.00K
Rates

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Locations


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