Hampton, SC · Cert 17563 · Palmetto State Bankshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
43
Profitability
31
Liquidity
3
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hampton, SC · Cert 17563 · Palmetto State Bankshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 2.3% share · #11 of 21 inst. · $0.2B of $7.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.85% | 0.63% | 0.79% | 1.19% | 0.33% | 0.77% | 0.96% | +17 bps | |
| Return on Equity | 6.28% | 6.89% | 5.16% | 6.31% | 9.21% | 2.58% | 5.93% | 7.23% | +93 bps | |
| Net Interest Margin | 2.69% | 2.68% | 2.77% | 2.86% | 2.93% | 2.96% | 2.95% | 3.05% | +19 bps | |
| Efficiency Ratio | 71.89% | 69.84% | 76.84% | 72.10% | 62.39% | 92.68% | 71.52% | 66.03% | -607 bps | |
| Non-Interest Burden | 1.78% | 1.72% | 2.02% | 1.94% | 1.46% | 2.68% | 1.97% | 1.84% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | -1.17% | 2.86% | 1.22% | 0.40% | 3.26% | -2.37% | -1.08% | -230 bps | |
| Loan Growth (YoY) | 0.16% | 3.38% | 0.78% | 0.02% | 6.64% | 5.75% | 12.54% | 12.00% | +1,198 bps | |
| Deposit Growth (YoY) | -2.92% | -2.03% | 1.89% | 1.57% | 0.25% | 4.01% | -2.22% | -1.39% | -296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.18% | 0.23% | 0.20% | 0.25% | 0.12% | 0.12% | 0.12% | -9 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.08% | 0.17% | 0.08% | 0.00% | 0.04% | -0.03% | -0.03% | -10 bps | |
| Allowance / Loans | 1.91% | 1.85% | 1.89% | 1.87% | 1.79% | 1.69% | 1.69% | 1.68% | -19 bps | |
| Allowance Coverage of NPLs | 5.0x | 10.2x | 8.3x | 9.2x | 7.2x | 13.8x | 14.3x | 14.5x | +5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.64% | 14.03% | 13.79% | 14.24% | 15.02% | 14.51% | 14.26% | 14.85% | +61 bps | |
| Total Risk-Based Capital | 29.18% | 14.03% | 13.79% | 14.24% | 15.02% | 14.51% | 14.26% | 14.85% | +61 bps | |
| Equity / Assets | 13.22% | 12.32% | 12.25% | 13.06% | 13.99% | 12.88% | 13.08% | 13.85% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.73% | 43.63% | 39.11% | 41.67% | 45.45% | 44.35% | 45.02% | 47.32% | +566 bps | |
| Liquid Assets / Assets | 42.18% | 41.31% | 38.87% | 48.98% | 46.51% | 47.16% | 46.12% | 45.09% | -389 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 103.28% | 119.25% | 117.99% | n/a | n/a | |
Hampton, SC · Cert 17563 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Palmetto State Bankshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.99%
Rank 415 of 746
Net Interest Margin
3.05%
Rank 600 of 746
Efficiency Ratio
66.03%
Rank 407 of 746
Equity / Assets
13.85%
Rank 147 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.72% | 1.06% | 1.45% | Beats 44% | 415 / 746 | ||
| Return on Equity | 7.11% | 6.74% | 10.51% | 13.63% | Beats 28% | 539 / 746 | ||
| Net Interest Margin | 3.05% | 3.17% | 3.68% | 4.16% | Beats 20% | 600 / 746 | ||
| Efficiency Ratio | 66.03% | 55.74% | 64.58% | 75.47% | Beats 46% | 407 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 74% | 197 / 743 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 12% | 653 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.85% | 11.55% | 13.75% | 17.60% | Beats 60% | 300 / 746 | ||
| Total Risk-Based Capital Ratio | 14.85% | 11.71% | 14.33% | 18.43% | Beats 54% | 341 / 746 | ||
| Equity / Assets | 13.85% | 8.90% | 10.51% | 13.06% | Beats 80% | 147 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.32% | 61.31% | 78.27% | 90.78% | 11th pctl | 665 / 746 | ||
| Loans / Assets | 39.10% | 53.60% | 66.97% | 76.08% | 8th pctl | 684 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||