First Reliance Bancshares, Inc. (FSRL)

First Reliance Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	27.03	32.13	47.23	21.94	33.8	150.12
Investment Securities	193.23	102.19	90.78	78.52	95.33	37.15
Trading Asset Securities	-	0.37	0.25	0.28	0.09	0.85
Mortgage-Backed Securities	-	93.92	85.26	93.06	67.21	45.08
Total Investments	193.23	196.47	176.29	171.87	162.64	83.08
Gross Loans	820.74	779.93	753.74	705.67	661.25	586.45
Allowance for Loan Losses	-9.33	-8.83	-8.43	-8.39	-7.66	-7.04
Net Loans	811.41	771.11	745.3	697.28	653.59	579.41
Property, Plant & Equipment	24.32	28.02	25.51	27.64	28.79	29.44
Goodwill	-	0.69	0.69	0.69	0.69	0.69
Other Intangible Assets	-	0	0.03	0.07	0.15	0.24
Loans Held for Sale	18.14	12.28	20.97	7.16	7.94	23.84
Accrued Interest Receivable	-	4.35	3.96	3.45	2.77	1.7
Long-Term Deferred Tax Assets	6.94	6.12	7.71	7.78	8.63	4.13
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.14
Other Long-Term Assets	45.85	40.48	38.72	35.38	36.4	37.22
Total Assets	1,127	1,093	1,067	974.16	937.11	910.8

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	626.65	652.47	679.72	607.19	519.61	515.95
Institutional Deposits	44	41.04	44.22	40.81	23.15	26.87
Non-Interest Bearing Deposits	249.67	254.62	227.47	210.6	255.43	238.02
Total Deposits	920.33	948.12	951.41	858.6	798.18	780.83
Short-Term Borrowings	75	20.03	-	5.45	37.37	11.38
Current Portion of Leases	-	0.67	-	-	-	-
Accrued Interest Payable	-	0.7	1.08	1.08	0.33	0.14
Long-Term Debt	9.49	9.48	15.44	15.41	15.38	15.35
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	10
Long-Term Leases	-	3.65	4.97	5.59	6.2	6.78
Trust Preferred Securities	10.31	10.31	10.31	10.31	10.31	10.31
Other Long-Term Liabilities	13.37	7.33	6.14	6.32	6.05	5.2
Total Liabilities	1,028	1,000	989.35	902.76	873.82	840

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Convertible	0	0	0	0	0	0
Total Preferred Equity	0	0	0	0	0	0
Common Stock	0.09	0.09	0.09	0.09	0.09	0.09
Additional Paid-In Capital	57.04	56.87	55.79	55.47	53.97	53.86
Retained Earnings	56.82	50.58	39.67	33.75	29.92	23.99
Treasury Stock	-8.64	-8.08	-5.7	-4.82	-4.5	-4.32
Comprehensive Income & Other	-6.9	-6.39	-12.09	-13.09	-16.17	-2.81
Total Common Equity	98.42	93.07	77.76	71.4	63.3	70.8
Shareholders' Equity	98.42	93.07	77.76	71.4	63.3	70.8
Total Liabilities & Equity	1,127	1,093	1,067	974.16	937.11	910.8

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	94.8	44.14	30.72	36.76	69.26	53.82
Net Cash (Debt)	-67.78	-11.65	16.76	-14.54	-35.11	97.41
Net Cash Growth	-	-	-	-	-	62.86%
Net Cash Per Share	-8.18	-1.40	2.02	-1.78	-4.32	11.96
Filing Date Shares Outstanding	7.9	7.83	8.03	8.14	8.14	8.26
Total Common Shares Outstanding	7.9	7.83	8.03	8.14	8.14	8.26
Book Value Per Share	12.47	11.88	9.68	8.77	7.78	8.57
Tangible Book Value	98.42	92.37	77.04	70.63	62.46	69.87
Tangible Book Value Per Share	12.47	11.79	9.59	8.68	7.67	8.46

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 29, 2026

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