First Palmetto Bank
Camden, SC · Cert 28396 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Palmetto Financial Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
$1.1BAssets
$796.7MLoans
$993.9MDeposits
$101.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets operating in a single state (rank 53 of 258).
- Widest gap: equity / assets trails 72% of banks $1B-$10B in assets operating in a single state (rank 185 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.33%
Rank 101 of 258
Net Interest Margin
3.44%
Rank 138 of 258
Efficiency Ratio
54.77%
Rank 86 of 257
Equity / Assets
9.21%
Rank 185 of 258
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.93% | 1.23% | 1.54% | Beats 61% | 101 / 258 | | |
| Return on Equity | 14.48% | 9.26% | 11.84% | 14.74% | Beats 72% | 71 / 258 | | |
| Net Interest Margin | 3.44% | 3.16% | 3.49% | 3.88% | Beats 47% | 138 / 258 | | |
| Efficiency Ratio | 54.77% | 51.71% | 60.30% | 69.65% | Beats 67% | 86 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.19% | 0.46% | 0.90% | Beats 80% | 53 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 57% | 112 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 11.41% | 12.98% | 15.12% | Beats 60% | 104 / 258 | | |
| Total Risk-Based Capital Ratio | 14.89% | 12.10% | 13.91% | 16.08% | Beats 62% | 97 / 258 | | |
| Equity / Assets | 9.21% | 9.09% | 10.24% | 11.72% | Beats 28% | 185 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.17% | 73.24% | 86.34% | 95.95% | 36th pctl | 164 / 258 | | |
| Loans / Assets | 72.37% | 63.01% | 72.27% | 78.40% | 50th pctl | 128 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |