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
62nd 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 30, 2026
Call-report figures are for First Reliance 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 Reliance Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (62nd 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 $361K in Q2 2026, 21% above the same quarter a year earlier ($299K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Reliance Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $361K | −$5K | −1.4% |
| Q1 2026 | $366K | −$39K | −9.6% |
| Q4 2025 | $405K | −$7K | −1.7% |
| Q3 2025 | $412K | +$113K | +37.8% |
| Q2 2025 | $299K | −$20K | −6.3% |
| Q1 2025 | $319K | −$7K | −2.1% |
| Q4 2024 | $326K | −$1K | −0.3% |
| Q3 2024 | $327K | +$20K | +6.5% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Reliance 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 Reliance Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| FRB 60 Plus Checking monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| FRB Advantage Checking monthly maintenance fee (audience not stated, treated as personal) | $7 | per month | None |
| FRB Core Checking monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| FRB Premium Checking monthly maintenance fee (audience not stated, treated as personal) | $20 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $6 | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $20 | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $20 | per month | None |
| FRB Premium Checking monthly paper statement fee (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement (audience not stated, treated as personal) | $5 | per month | None |
Other feesUnder review | |||
| ® FRB 60 Plus Checking monthly maintenance fee, waived with a daily minimum bala (audience not stated, treated as personal) | $5 | per month | None |
| ® FRB Advantage Checking Only a monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| ® FRB Core Checking monthly maintenance fee, waived with a daily minimum balance (audience not stated, treated as personal) | $5 | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $20 | per month | None |
| Monthly maintenance fee applies to Check ‘n Save checking accounts. This fee can be reduced to if customers set up a m (audience not stated, treated as personal) | $10 | per month | None |
| monthly paper statement fee Apply Now (audience not stated, treated as personal) | $5 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 30, 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 Reliance Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $922.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $373.9M | |
| 3 | $247.0M | |
| 2 | $184.6M | |
| 2 | $91.3M | |
| 2 | $25.3M |
Florence, SC
8.4% of bank deposits, #6 of 16, up 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 17.1% |
| First-Citizens Bank & Trust Company | 14.1% |
| SouthState Bank, National Association | 13.4% |
| The Citizens Bank | 10.8% |
| Carolina Bank & Trust Co. | 10.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Florence, SC, First Reliance Bank holds 8.4% of bank deposits, #6 of 16, with 2 offices.
75 offices of 29 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 16 institutions shown. $4.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 8.4% share, 2 offices, #6 of 16
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
23 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
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the 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