First Palmetto Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 3.9% from Q1 2026 to Q2 2026, ending at $61.4M against $59.1M. It was the largest change among the key lines on this page. First Palmetto Bank ranks 18th of 30 South Carolina banks on CET1 ratio, in the lower half at 13.63% (Q2 2026). At 13.63%, First Palmetto Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.63% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 14.89% |
| Tier 1 leverage ratio | 9.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $101.4M |
| Tier 1 capital | $101.4M |
| Total risk-based capital | $110.8M |
| Total equity capital | $101.4M |
| Risk-weighted assets | $744.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 9.42% |
| Internal capital growth rate | 9.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $40.0M |
| Retained earnings | $61.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.90% | 9.48% | $637.5M |
| Q4 2023 | 13.29% | 13.29% | 14.55% | 9.19% | $639.3M |
| Q1 2024 | 13.44% | 13.44% | 14.70% | 9.57% | $645.2M |
| Q2 2024 | 13.54% | 13.54% | 14.80% | 9.36% | $646.1M |
| Q3 2024 | 13.48% | 13.48% | 14.73% | 9.20% | $656.5M |
| Q4 2024 | 13.09% | 13.09% | 14.35% | 9.04% | $677.2M |
| Q1 2025 | 13.11% | 13.11% | 14.36% | 9.29% | $693.5M |
| Q2 2025 | 12.88% | 12.88% | 14.14% | 9.22% | $720.8M |
| Q3 2025 | 13.09% | 13.09% | 14.34% | 9.22% | $726.4M |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.02% | $731.6M |
| Q1 2026 | 13.34% | 13.34% | 14.59% | 9.41% | $743.3M |
| Q2 2026 | 13.63% | 13.63% | 14.89% | 9.42% | $744.0M |
First Palmetto Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Palmetto Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Palmetto Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28396) · FFIEC NIC profile (RSSD 586072)