BlastPoint's Banking Scorecard
Palmetto State Bank
Hampton, SC
8 branches across SC
Palmetto State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7.9% in tier
- - ROA 0.50% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 6.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$619.1M
-2.4% YoY
-0.7% QoQ
|
+$233.0M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$227.9M
+12.8% YoY
+1.0% QoQ
|
-$27.8M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$515.1M
-2.2% YoY
-0.5% QoQ
|
+$187.1M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.77%
+21.4% YoY
+131.4% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.15%
+4.9% YoY
+1.3% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
71.52%
-6.9% YoY
-22.8% QoQ
|
+6.23% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.12%
-48.4% YoY
-4.2% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
44.26%
+15.3% YoY
+1.5% QoQ
|
-32.38% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.97%
-11.9% YoY
-5.2% QoQ
|
+3.95% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.04%
-44.1% YoY
-2.5% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
14.26%
+3.4% YoY
-1.7% QoQ
|
-1.57% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.12%
+3.6% YoY
-85.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.