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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 1.08% | 0.63% | 0.94% | 2.00% | -2.22% | 0.77% | 1.15% | +21 bps | |
| Return on Equity | 6.00% | 8.47% | 5.16% | 7.40% | 14.77% | -16.55% | 5.93% | 8.54% | +114 bps | |
| Net Interest Margin | 2.65% | 2.84% | 2.77% | 2.90% | 2.95% | 3.03% | 2.95% | 3.09% | +18 bps | |
| Efficiency Ratio | 72.97% | 63.95% | 76.84% | 67.39% | 49.08% | 192.97% | 71.52% | 60.69% | -670 bps | |
| Non-Interest Burden | 1.80% | 1.65% | 2.02% | 1.82% | 0.44% | 6.32% | 1.97% | 1.66% | -15 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 | 0.08% | -0.04% | 0.17% | -0.02% | -0.14% | 0.15% | -0.03% | -0.02% | 0 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 | |