BlastPoint's Banking Scorecard
Palmetto State Bank
Community
Specialty: Other
SC
FDIC cert 17563
Hampton, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Palmetto State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9% in Community
- - Capital Thin: Bottom 35% in Community
- - Return on Assets 0.83% below tier
- - Loan-to-Deposit Ratio 39.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$623.4M
+3.3% YoY
+3.9% QoQ
|
-$768.1M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$225.7M
+5.9% YoY
+3.1% QoQ
|
-$749.8M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$517.5M
+4.0% YoY
+5.6% QoQ
|
-$647.1M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.33%
-61.0% YoY
-72.0% QoQ
|
-0.83% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.11%
+7.3% YoY
+0.4% QoQ
|
-0.56% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
92.69%
+32.7% YoY
+48.6% QoQ
|
+30.05% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.12%
-32.3% YoY
-50.8% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
43.60%
+1.8% YoY
-2.3% QoQ
|
-39.46% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.40%
-4.6% YoY
-5.1% QoQ
|
+6.36% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.05%
-35.6% YoY
-53.8% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.84%
+63.2% YoY
+13.3% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#130 of 371 · Top 35% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (4)
Efficiency Drag
risk
#14 of 152 · Bottom 9% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
92.69%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Capital Thin
risk
#152 of 432 · Bottom 35% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.33%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
43.60%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.40% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
17
17th pctile
Total Assets
Current: $623.4M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $517.5M · Tier avg: $1.2B
7
7th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 92.69% · Tier avg: 62.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 43.60% · Tier avg: 83.06%
2
2th pctile
Total Loans
Current: $225.7M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $225.7M · Tier avg: $975.5M
2
2th pctile
Loan-to-Deposit Ratio
Current: 43.60% · Tier avg: 83.06%
2
2th pctile
Efficiency Ratio
Current: 92.69% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.16%
16
16th pctile
Total Deposits
Current: $517.5M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $623.4M · Tier avg: $1.4B
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.40% · Tier avg: 21.05%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%