BlastPoint's Banking Scorecard

Palmetto State Bank

$100M-$1B Specialty: Other SC FDIC cert 17563

Hampton, SC

8 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
Deposits -1.4% year over year ($493.7M on the books).
Delinquency rate 0.12%.
Return on assets 0.96%.
Efficiency ratio 66.03% vs a 64.48% peer average.
Loan-to-deposit ratio 46.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC

View $100M-$1B leaderboard (SC) →

Palmetto State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 10.7% in tier
- Flatlined Growth: Bottom 20.0% in tier
- ROA 0.36% below tier average
- Net Interest Margin 0.75% below tier average
- Efficiency Ratio 1.55% above tier average

Get updates when Palmetto State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$597.5M -1.1% YoY -3.5% QoQ	+$210.9M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$229.7M +12.2% YoY +0.8% QoQ	-$28.6M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$493.7M -1.4% YoY -4.2% QoQ	+$166.9M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.96% +21.3% YoY +24.7% QoQ	-0.36%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.23% +5.3% YoY +2.6% QoQ	-0.75%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	66.03% -8.4% YoY -7.7% QoQ	+1.55%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.12% -43.4% YoY -1.9% QoQ	-0.80%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	46.53% +13.8% YoY +5.1% QoQ	-31.42%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	Top 6.6% in tier
Non-Interest-Bearing Deposit Share ?	26.09% -12.0% YoY +0.4% QoQ	+4.06%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.05% -40.1% YoY +2.5% QoQ	-0.62%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	14.85% +4.3% YoY +4.2% QoQ	-1.06%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.26% +12.6% YoY +114.0% QoQ	-0.30%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Noninterest-Bearing	26.1% -3.6pp YoY +0.1pp QoQ	+3.9pp	22.1%	21.7%	22.2%	70%
Brokered Deposits	n/a	n/a	7.9%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	14.9% -0.3pp YoY 0.0pp QoQ	+3.3pp	11.6%	9.8%	12.5%	75%
CRE	45.3% +4.5pp YoY -1.2pp QoQ	+5.7pp	39.5%	43.3%	41.4%	63%
1-4 Family	31.0% -0.9pp YoY +0.2pp QoQ	-1.6pp	32.6%	44.4%	31.3%	54%
Consumer	4.7% -0.5pp YoY +0.5pp QoQ	+0.6pp	4.1%	4.5%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.1%	19.7%	n/a
Leverage Ratio	14.8% +0.6pp YoY +0.6pp QoQ	+2.7pp	12.2%	12.3%	12.6%	86%
Total Capital Ratio	n/a	n/a	19.9%	19.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	81 -14 (-14.7%) YoY -2 (-2.4%) QoQ	+22	58	174	482	77%
Assets per Employee ($)	$7.4M +16.0% YoY -1.1% QoQ	-$142K	$7.5M	$7.8M	$8.8M	59%
Branch Count	8 0 YoY 0 QoQ	+3	4	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.0%	0.4%	n/a
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.5%	1.0%	20%
Allowance Coverage	14.52x +58.2% YoY +1.4% QoQ	-9.63x	24.15x	15.59x	20.23x	86%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	7.2% +0.9pp YoY +1.3pp QoQ	-5.0pp	12.2%	11.7%	11.6%	22%
Cost of Funds (YTD)	0.9% 0.0pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	9%
Net Income ($, YTD)	$2.9M +21.2% YoY — QoQ	+$388K	$2.6M	$9.6M	$40.4M	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#58 of 535 • Bottom 10.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#107 of 529 • Bottom 20.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.96%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

176

Loan-to-Deposit Ratio

liquidity

Value: 46.53%

Peer Median: 77.95%

#176 of 2643 Top 6.6% in $100M-$1B

517

Total Assets

size

Value: $597.49M

Peer Median: $386.57M

#517 of 2643 Top 19.5% in $100M-$1B

550

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#550 of 2643 Top 20.8% in $100M-$1B

554

Total Deposits

size

Value: $493.66M

Peer Median: $326.73M

#554 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (1 metrics)

2192

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.99%

#2192 of 2643 Bottom 17.1% in $100M-$1B