PALMETTO STATE BANK

HAMPTON, SC | Medium | Est. Jan. 1, 1907, midnight | FDIC #17563 | RSSD #277820 | FDIC
Latest Report: 2025-12-31

PALMETTO STATE BANK is amn medium FDIC-insured commercial bank headquartered in HAMPTON, SC, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $623M and total deposits of $518M. Profitability stands at -2.22% ROA and -16.80% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 12.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.34%. FDIC Certificate #17563.

Assets

$623M

Deposits

$518M

Loans

$230M

Equity

$78M

Profitability

Return on Assets (ROA) -2.22%
Return on Equity (ROE) -16.80%
Net Interest Margin (NIM) 3.29%
Yield on Assets 4.24%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.34%
NPA Ratio 0.05%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 12.26%
Tier 1 Capital 12.26%
Total Capital Ratio 12.87%
Leverage Ratio 14.11%
Loan-to-Deposit 44.35%

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