Palmetto State Bank
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
$597.5MAssets
$233.6MLoans
$493.7MDeposits
$82.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 80% of banks under $1B in assets operating in a single state (rank 147 of 746).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets operating in a single state (rank 653 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.3M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |