BlastPoint's Banking Scorecard
First Palmetto Bank
Community
Specialty: Commercial
SC
FDIC cert 28396
Camden, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
First Palmetto Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16% in Community
- - Credit Risk Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.3% YoY
+1.5% QoQ
|
-$335.0M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$766.7M
+8.0% YoY
+1.5% QoQ
|
-$208.8M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$956.3M
+8.4% YoY
+1.6% QoQ
|
-$208.3M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.07%
+31.1% YoY
+1.8% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.42%
+13.4% YoY
+1.9% QoQ
|
-0.25% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
62.42%
-9.1% YoY
-0.0% QoQ
|
-0.21% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.17%
+51.8% YoY
+102.7% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
80.17%
-0.4% YoY
-0.1% QoQ
|
-2.89% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
19.09%
-1.0% YoY
-6.4% QoQ
|
-1.95% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.13%
+58.4% YoY
+93.7% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.00%
-0.7% YoY
-0.7% QoQ
|
+2.75% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.46%
-11.8% YoY
+33.5% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#134 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#213 of 642 · Bottom 33% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.17% · Tier avg: 83.06%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
57
57th pctile
Total Deposits
Current: $956.3M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $766.7M · Tier avg: $975.5M
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
49
49th pctile
Efficiency Ratio
Current: 62.42% · Tier avg: 62.63%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.09% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
37
37th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
Top Weaknesses
37
37th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.09% · Tier avg: 21.05%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.42% · Tier avg: 62.63%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $766.7M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $956.3M · Tier avg: $1.2B
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.17% · Tier avg: 83.06%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%