First Palmetto Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.51 percentage points higher than in Q1 2026, at 785.46%. First Palmetto Bank ranks 19th of 44 South Carolina banks on return on assets, in the upper half at 1.22% (Q2 2026). First Palmetto Bank reported 1.22% on return on assets for Q2 2026, 0.05 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.63% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 14.89% |
| Tier 1 leverage ratio | 9.42% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.38% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 785.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 13.14% |
| Net interest margin | 3.65% |
| Efficiency ratio | 56.76% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.17% |
| Core deposits to total deposits | 88.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.27% |
| Securities to assets | 10.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.90% | 9.48% | 1.00% |
| Q4 2023 | 13.29% | 13.29% | 14.55% | 9.19% | 0.80% |
| Q1 2024 | 13.44% | 13.44% | 14.70% | 9.57% | 0.79% |
| Q2 2024 | 13.54% | 13.54% | 14.80% | 9.36% | 0.74% |
| Q3 2024 | 13.48% | 13.48% | 14.73% | 9.20% | 0.83% |
| Q4 2024 | 13.09% | 13.09% | 14.35% | 9.04% | 0.89% |
| Q1 2025 | 13.11% | 13.11% | 14.36% | 9.29% | 0.92% |
| Q2 2025 | 12.88% | 12.88% | 14.14% | 9.22% | 1.08% |
| Q3 2025 | 13.09% | 13.09% | 14.34% | 9.22% | 1.15% |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.02% | 1.11% |
| Q1 2026 | 13.34% | 13.34% | 14.59% | 9.41% | 1.54% |
| Q2 2026 | 13.63% | 13.63% | 14.89% | 9.42% | 1.22% |
First Palmetto Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Palmetto Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)