First Capital Bank logo

First Capital Bank in Charleston, SC

4.2/5

Unable to verify company profile. Website returned access denied error, preventing factual data collection for First Capital Bank.

Data compiled from public sources · Rating from CreditDoc methodology

First Capital Bank Review

com. However, the company's actual service offerings, institutional details, and specific product information cannot be verified at this time due to access restrictions on the primary website domain. 4eb63c67), which prevents researchers from collecting factual information about their checking accounts, savings products, credit products, or other banking services.

Without direct access to official company content, claims about their specific offerings, competitive advantages, or service quality cannot be responsibly documented. CreditDoc requires verified, factual information sourced directly from company websites to build accurate consumer profiles. Until the website access issue is resolved or alternative verified sources provide institutional data, a complete profile cannot be compiled.

Consumers seeking information about First Capital Bank should attempt to visit the website directly or contact the institution through verified phone numbers to confirm current services and terms.

Services & Features

Business banking
Checking accounts
FDIC insured deposits
Mortgage lending
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC insured — deposits protected up to $250,000
  • Established in 1999
  • Local community bank with personal service
  • 4 locations

Cons

  • Website access denied prevents verification of current services and offerings
  • Unable to confirm company legitimacy, licensing, or regulatory standing
  • No verifiable information available regarding fees, rates, or account terms
  • Lack of accessible online information suggests potential operational or technical issues
  • Cannot assess customer service capabilities or product differentiation without website access

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Mortgage Lending Transparency

First Capital Bank processed 137 mortgage applications in 2023, approving 94.2% of applicants across 4 states.

137

Applications

94.2%

Approval Rate

$592K

Avg Loan

4

States Served

Approval Rate by Applicant Income

Under $50K
71.4%
$50K–$100K
87%
$100K–$200K
100%
Over $200K
96.4%

Based on 137 applications. Income in thousands (reported by applicant).

Top Lending States

South Carolina 63 apps · 98.4%
Texas 52 apps · 86.5%
North Carolina 21 apps · 100%
Georgia 1 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does First Capital Bank offer?

First Capital Bank offers 6 services including Checking accounts, Savings accounts, Personal loans, Mortgage lending, Business banking, and 1 more.

Who is First Capital Bank best suited for?

First Capital Bank is best suited for Local banking with personal service, FDIC-insured deposits, Small business banking.

What are the strengths and weaknesses of First Capital Bank?

Key strengths: FDIC insured — deposits protected up to $250,000; Established in 1999; Local community bank with personal service. Areas to consider: Website access denied prevents verification of current services and offerings; Unable to confirm company legitimacy, licensing, or regulatory standing.

How does First Capital Bank compare to similar companies?

In the Banks category, comparable providers include 1st Federal Savings Bank of SC, Inc., Abbeville First Bank, Ssb, Bank of the Lowcountry. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Founded
1999
Headquarters
Charleston, SC
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #34966
Visit First Capital Bank

CreditDoc Diagnosis

Doctor's Verdict on First Capital Bank

First Capital Bank cannot be recommended for any consumer segment until website access is restored and company information can be independently verified. The access denied error prevents confirmation of whether this institution is actively operating or what services it currently provides.

Best For

  • Local banking with personal service
  • FDIC-insured deposits
  • Small business banking
Updated 2026-05-14

Similar Companies

1st Federal Savings Bank of SC, Inc. logo

1st Federal Savings Bank of SC, Inc.

FDIC-insured South Carolina bank established in 1963, offering checking, savings, CDs, IRAs, and loan products with competitive rates and local community focus.

4.2/5
BBB:

Best for: South Carolina residents seeking FDIC-insured deposit accounts with local banking relationships, Customers prioritizing relationship banking with experienced, long-tenured staff

Abbeville First Bank, Ssb logo

Abbeville First Bank, Ssb

Abbeville First Bank is a South Carolina-based community bank serving Abbeville County for over 115 years, offering personal and business banking with emphasis on local service and homeownership.

4.2/5
BBB:

Best for: Abbeville County residents seeking local banking relationships and personalized service, Homebuyers in the region who value the bank's demonstrated mortgage lending expertise

Bank of the Lowcountry logo

Bank of the Lowcountry

Community bank with branches in South Carolina offering personal and business banking, loans, and financial literacy resources.

4.3/5
BBB:

Best for: South Carolina residents seeking personalized relationship banking with local experts, Small business owners and entrepreneurs in the Lowcountry region looking for community-focused business lending

Is First Capital Bank Right for You?

Answer 3 quick questions to see if this provider matches your needs.

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Financial Wellness Guides

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