First Palmetto Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Palmetto Bank of Camden, SC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.46% | -0.24% | 45th below |
| ROAE | 13.14% | 12.72% | +0.42% | 56th above |
| Net Interest Margin | 3.65% | 3.85% | -0.20% | 46th below |
| Efficiency Ratio | 56.76% | 57.41% | -0.65% | 55th above |
| PPNR / Avg Assets | 1.72% | 1.88% | -0.16% | 49th below |
| Yield on Earning Assets | 5.42% | 5.72% | -0.30% | 43rd below |
| Cost of Funds | 1.87% | 2.02% | -0.15% | 58th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.07% | 3.18% | -0.11% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.00% | -0.80% | 81st top |
| NPA / Total Assets | 0.14% | 0.76% | -0.62% | 82nd top |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 90th top |
| ACL / Total Loans | 1.55% | 1.31% | +0.24% | 88th top |
| ACL / NPLs (Coverage) | 785.46% | 543.25% | +242.21% | 88th top |
| Texas Ratio | 1.38% | 7.39% | -6.01% | 83rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 540.54% | 618.64% | -78.10% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.63% | 17.34% | -3.71% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.63% | 17.37% | -3.74% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.89% | 18.42% | -3.53% | 55th above |
| Leverage Ratio | 9.42% | 11.44% | -2.02% | 21st bottom |
| Equity / Assets | 9.21% | 11.34% | -2.13% | 26th below |
| TCE / Tangible Assets | 9.21% | 10.50% | -1.29% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.17% | 86.96% | -6.79% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.37% | 85.55% | +2.82% | 49th below |
| Uninsured Deposit Ratio | 33.43% | 33.12% | +0.31% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.26% | 9.68% | -2.42% | 64th above |
| Loan Growth (Y/Y) | 4.45% | 8.06% | -3.61% | 43rd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.01% | 7.87% | -0.86% | 62nd above |
See First Palmetto Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Palmetto Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Palmetto Bank profile, how to read a UBPR, or how this data updates.