Palmetto State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Palmetto State Bank of Hampton, SC against its peer group of 2603 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 | 1.13% | 1.35% | -0.22% | 41st below |
| ROAE | 8.54% | 13.33% | -4.79% | 28th below |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 58.52% | 61.13% | -2.61% | 58th above |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 4.35% | 5.67% | -1.32% | 6th bottom |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 78th top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.68% | 1.28% | +0.40% | 87th top |
| ACL / NPLs (Coverage) | 1452.22% | 1546.18% | -93.96% | — |
| Texas Ratio | 0.31% | 7.34% | -7.03% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.85% | 12.14% | +2.71% | 86th top |
| Equity / Assets | 13.85% | 11.36% | +2.49% | 84th top |
| TCE / Tangible Assets | 13.85% | 11.08% | +2.77% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.32% | 80.68% | -33.36% | 93rd top |
| Core Deposit Ratio | 94.06% | 86.85% | +7.21% | 80th top |
| Wholesale Funding Ratio | 2.73% | 5.04% | -2.31% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.08% | 6.85% | -7.93% | 14th bottom |
| Loan Growth (Y/Y) | 12.00% | 7.92% | +4.08% | 80th top |
| Deposit Growth (Y/Y) | -1.39% | 6.29% | -7.68% | 16th bottom |
See Palmetto State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Palmetto State 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 Palmetto State Bank profile, how to read a UBPR, or how this data updates.