Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #35214 · Florence, South Carolina · Est. 1999
First Reliance Bank - FDIC Bank Health Profile
A community-scale look at First Reliance Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 1.10%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Reliance Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.72% Tier 1, profitable at 1.10% ROA, 68% efficiency ratio.
- #966
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 12.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Reliance Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Reliance Bank's composite health score
Tier 1 Capital Ratio (12.72%) 35/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (2.09%) 20/20
Efficiency Ratio (67.57%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$950M
Customer-funded liabilities
Net Loans
$783M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Reliance Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Reliance Bank's score of 83/100 falls in the highlighted band.
First Reliance Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Reliance Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.72%
Texas Ratio
2.09%
Equity Capital
$109M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
11.73%
Efficiency Ratio
67.57%
What the numbers say about First Reliance Bank
First Reliance Bank is an FDIC-insured institution (Certificate #35214) headquartered in Florence, South Carolina, established in 1999. It holds $1.1B in total assets - 966th of 4,313 FDIC-insured banks, $950M in customer deposits, and $783M in net loans. On safety, its Tier 1 capital ratio of 12.72% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.09% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Carolina, First Reliance Bank ranks 13th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$57M
Interest Income
$14M
Non-Interest Income
$35M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Reliance Bank reports a Texas Ratio of 2.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Reliance Bank (FDIC Cert #35214) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is First Reliance Bank's health grade?▼
First Reliance Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Reliance Bank?▼
First Reliance Bank holds $1.1B in total assets and $950M in deposits, ranking 966th of 4,313 FDIC-insured banks by asset size. It is headquartered in Florence, South Carolina.
Is my money safe at First Reliance Bank?▼
Yes, deposits at First Reliance Bank (Certificate #35214) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Reliance Bank's Tier 1 Capital Ratio?▼
First Reliance Bank has a Tier 1 Capital Ratio of 12.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Reliance Bank?▼
First Reliance Bank has a Texas Ratio of 2.09%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Reliance Bank?▼
First Reliance Bank has an Efficiency Ratio of 67.57%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Reliance Bank's profile as a depositor or analyst.
- First Reliance Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Reliance Bank against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.