First Palmetto Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 7.01 percentage points in Q2 2026, from 66.18% to 73.19%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, First Palmetto Bank is 21st of 44 on loan-to-deposit ratio, 80.17% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Palmetto Bank sits 8.04 points lower, at 80.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $796.7M |
| Net loans and leases | $784.4M |
| Loans held for sale | $6.2M |
| Loans to total assets | 72.37% |
| Loan-to-deposit ratio | 80.17% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.72% |
| Multifamily (5+ residential) | 0.69% |
| Commercial and industrial | 2.99% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 0.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 259.15% |
| Construction concentration (Tier 1 capital + allowance) | 73.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.94% |
| Interest income on loans | $11.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $681.6M | $836.3M | 47.89% | 4.09% | 0.90% |
| Q4 2023 | $684.2M | $818.1M | 47.14% | 4.33% | 0.83% |
| Q1 2024 | $692.5M | $825.8M | 46.89% | 4.13% | 0.76% |
| Q2 2024 | $690.9M | $858.8M | 46.84% | 3.99% | 0.86% |
| Q3 2024 | $698.2M | $879.9M | 46.18% | 3.87% | 0.91% |
| Q4 2024 | $721.9M | $882.1M | 45.09% | 3.67% | 0.95% |
| Q1 2025 | $737.3M | $907.3M | 45.99% | 3.33% | 0.81% |
| Q2 2025 | $762.8M | $928.7M | 46.30% | 3.29% | 0.75% |
| Q3 2025 | $767.3M | $941.1M | 46.53% | 3.09% | 0.67% |
| Q4 2025 | $778.5M | $956.3M | 46.67% | 3.25% | 0.72% |
| Q1 2026 | $794.1M | $972.9M | 46.56% | 3.11% | 0.64% |
| Q2 2026 | $796.7M | $993.9M | 45.72% | 2.99% | 0.74% |
First Palmetto Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Palmetto Bank, freeSource: Call Report Schedule RC-C, 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)