First Reliance Bancshares, Inc. FSRL OTC

First Reliance Bancshares, Inc. (FSRL) reported total assets of $1.09B and total liabilities of $1B for fiscal year 2025, resulting in total equity of $93.07M.

The company held $0.00 in cash and short-term investments. Total debt stood at $39.79M, with net debt of $39.79M. The Debt-to-Equity (D/E) ratio was 0.43 (conservative).

Current ratio is 0.04, which may signal tight short-term liquidity. Interest coverage is 0.7x (weak).

Criteria supported by this page:

• HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (35/100) — Total assets $1.09B and equity $93.07M support the company's competitive scale
• VALUE (100/100) — Debt-to-Equity 0.43 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 77/100 with 5/7 criteria passed.

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