Palmetto State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.50 percentage points higher than in Q1 2026, at 50.31%. Palmetto State Bank has the 5th lowest loan-to-deposit ratio of the 44 banks headquartered in South Carolina, at 47.32% as of Q2 2026. Palmetto State Bank reported 47.32% on loan-to-deposit ratio for Q2 2026, 33.51 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $346.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.8M |
| Other borrowed money | $8.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.32% |
| Net loans and leases to deposits | 46.53% |
| Loans and leases to core deposits | 50.31% |
| Core deposits to total deposits | 94.06% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 41.41% | 95.77% | $9.9M | $12.0M |
| Q4 2023 | 41.34% | 95.80% | $9.4M | $12.0M |
| Q1 2024 | 39.55% | 95.70% | $9.1M | $12.0M |
| Q2 2024 | 42.31% | 95.12% | $10.7M | $12.0M |
| Q3 2024 | 42.73% | 94.77% | $10.9M | $12.0M |
| Q4 2024 | 43.63% | 94.40% | $10.1M | $12.0M |
| Q1 2025 | 39.11% | 94.64% | $11.7M | $12.0M |
| Q2 2025 | 41.67% | 93.75% | $6.4M | $12.0M |
| Q3 2025 | 45.45% | 93.50% | $7.5M | $12.0M |
| Q4 2025 | 44.35% | 93.16% | $8.4M | $12.0M |
| Q1 2026 | 45.02% | 94.15% | $10.1M | $8.5M |
| Q2 2026 | 47.32% | 94.06% | $7.8M | $8.5M |
Palmetto State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Palmetto State Bank, freeSource: Call Report Schedules RC and RC-M, 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 Palmetto State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17563) · FFIEC NIC profile (RSSD 277820)