Palmetto State 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: 19.99 percentage points higher than in Q1 2026, at 1452.22%. Within South Carolina, Palmetto State Bank is 22nd of 44 on return on assets, 1.13% as of Q2 2026, above the middle of the field. Palmetto State Bank reported 1.13% on return on assets for Q2 2026, 0.12 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.85% |
| Equity capital to assets | 13.85% |
| Tangible equity to tangible assets | 13.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.31% |
| Allowance for credit losses to loans | 1.68% |
| Reserve coverage of non-performing loans | 1452.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 8.54% |
| Net interest margin | 3.41% |
| Efficiency ratio | 58.52% |
| Yield on earning assets | 4.35% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.32% |
| Core deposits to total deposits | 94.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.62% |
| Securities to assets | 50.03% |
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 | 25.99% | 25.99% | 27.21% | 14.43% | 0.95% |
| Q4 2023 | 25.46% | 25.46% | 26.68% | 14.18% | 0.83% |
| Q1 2024 | 26.73% | 26.73% | 27.98% | 14.07% | 0.69% |
| Q2 2024 | 27.34% | 27.34% | 28.59% | 14.30% | 0.86% |
| Q3 2024 | 27.93% | 27.93% | 29.18% | 14.64% | 0.76% |
| Q4 2024 | — | — | — | 14.03% | 1.05% |
| Q1 2025 | — | — | — | 13.79% | 0.62% |
| Q2 2025 | — | — | — | 14.24% | 0.93% |
| Q3 2025 | — | — | — | 15.02% | 1.96% |
| Q4 2025 | — | — | — | 14.51% | -2.22% |
| Q1 2026 | — | — | — | 14.26% | 0.76% |
| Q2 2026 | — | — | — | 14.85% | 1.13% |
Palmetto State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Palmetto State 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 Palmetto State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17563) · FFIEC NIC profile (RSSD 277820)