Camden, SC · Cert 28396 · First Palmetto Financial Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · Columbia, SC · 2026 SOD (annual) · 1.9% share · #10 of 28 inst. · $0.5B of $27.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.05% | 1.07% | 1.52% | 1.36% | +37 bps | |
| Return on Equity | 10.97% | 11.53% | 11.76% | 16.68% | 14.91% | +394 bps | |
| Net Interest Margin | 3.09% | 3.14% | 3.16% | 3.43% | 3.44% | +35 bps | |
| Efficiency Ratio | 63.54% | 62.44% | 62.42% | 53.00% | 54.77% | -877 bps | |
| Non-Interest Burden | 1.79% | 1.79% | 1.80% | 1.29% | 1.53% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.99% | 7.00% | 8.33% | 7.53% | 7.26% | -73 bps | |
| Loan Growth (YoY) | 10.41% | 9.89% | 7.84% | 7.70% | 4.45% | -596 bps | |
| Deposit Growth (YoY) | 8.14% | 6.96% | 8.41% | 7.23% | 7.01% | -113 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.17% | 0.15% | 0.15% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.06% | 0.03% | +1 bps | |
| Allowance / Loans | 1.55% | 1.54% | 1.52% | 1.51% | 1.55% | 0 bps | |
| Allowance Coverage of NPLs | 17.5x | 18.9x | 9.2x | 10.4x | 10.5x | -7.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.22% | 9.02% | 9.41% | 9.42% | +20 bps | |
| Total Risk-Based Capital | 14.14% | 14.34% | 14.25% | 14.59% | 14.89% | +75 bps | |
| Equity / Assets | 9.05% | 9.13% | 9.00% | 9.19% | 9.21% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.14% | 81.52% | 81.41% | 81.62% | 80.17% | -197 bps | |
| Liquid Assets / Assets | 22.26% | 22.79% | 22.88% | 22.99% | 24.27% | +201 bps | |
| CRE / Total Capital | n/a | 452% | 458% | 453% | n/a | n/a | |