Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
5th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 18, 2026
Call-report figures are for First Capital Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Capital Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.2% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (5th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $19K in Q2 2026, 9.5% below the same quarter a year earlier ($21K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Capital Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $19K | −$1K | −5.0% |
| Q1 2026 | $20K | −$2K | −9.1% |
| Q4 2025 | $22K | +$3K | +15.8% |
| Q3 2025 | $19K | −$2K | −9.5% |
| Q2 2025 | $21K | +$1K | +5.0% |
| Q1 2025 | $20K | −$1K | −4.8% |
| Q4 2024 | $21K | −$2K | −8.7% |
| Q3 2024 | $23K | +$6K | +35.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Capital Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Capital Bank by share.
They stay out of every comparison until review is done.
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Digital & ElectronicUnder review | |||
| Online Banking with Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
Other feesUnder review | |||
| Monthly Charge (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Charge (audience not stated, treated as personal) | $4 | per month | None |
| Monthly Charge (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Charge (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement Fee once E-statement is available (audience not stated, treated as personal) | $3 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Paper Statement Fee once Estatement is available: N/A | $3 | Not stated | None |
Other feesUnder review | |||
| Monthly Charge | No charge | per month | None |
| Monthly Charge | $10 | per month | None |
| Monthly Charge | $20 | per month | None |
| Paper Statement Fee once Estatement is available | $3 | Not stated | None |
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Capital Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states, $1.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $1.0B | |
| 1 | $99.8M |
Charleston-North Charleston, SC
3.9% of bank deposits, #7 of 37, up 2.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 20% |
| Bank of America, National Association | 14% |
| SouthState Bank, National Association | 12.3% |
| Pinnacle Bank | 9.2% |
| First-Citizens Bank & Trust Company | 6.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Charleston-North Charleston, SC, First Capital Bank holds 3.9% of bank deposits, #7 of 37, with 3 offices.
250 offices of 50 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 37 institutions shown. $25.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 3.9% share, 3 offices, #7 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
46 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
OCC. Ended January 9, 2014
Allowance for Losses (ALLL / ACL); Asset Quality; Audit; Board / Management Oversight; Concentration Risk Management; Credit/Collateral Exceptions; Internal Audit; Lending Issues; Liquidity; Loan Review; OREO; Other Lending Deficiencies; Problem Loan Identification; Strategic Planning
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows