PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Palmetto Citizens

Columbia, SC · Charter 1472

NCUA · 15 branches

Q2 2026

$1.5BAssets
$829.8MLoans
$1.2BShares
$201.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.49%, up 20 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.11% of loans (+30 bps YoY).
  • Capital: net worth / assets of 13.48%, up 61 bps from a year ago.
  • Funding: loans stand at 69.31% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.49%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+15 bps YoY

Efficiency Ratio (YTD, annualized)

66.48%-168 bps YoY

Net Worth / Assets

13.48%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.11%0.81%1.28%1.42%1.45%1.33%1.49%+20 bps
Return on Equity9.04%8.58%6.47%9.96%10.79%10.86%10.07%11.02%+106 bps
Net Interest Margin3.23%3.21%3.40%3.66%3.76%3.81%3.75%3.81%+15 bps
Efficiency Ratio71.26%71.53%75.32%68.16%66.39%65.51%67.70%66.48%-168 bps
Growth
Asset Growth (YoY)1.58%5.36%6.94%7.77%7.66%6.74%6.20%6.48%-129 bps
Loan Growth (YoY)0.90%0.82%1.18%4.61%6.90%6.27%7.02%4.18%-42 bps
Share Growth (YoY)-0.05%4.67%6.30%7.14%7.02%6.67%6.48%6.98%-16 bps
Asset Quality
Delinquent Loans / Loans0.66%0.73%0.75%0.81%0.96%1.07%1.04%1.11%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.94%12.88%12.53%12.87%13.16%13.36%13.21%13.48%+61 bps
Net Worth / Assets12.94%12.88%12.53%12.87%13.16%13.36%13.21%13.48%+61 bps
Liquidity & Funding
Loans / Shares72.26%71.43%69.08%71.18%72.18%71.17%69.43%69.31%-186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps