BlastPoint's Banking Scorecard

First Palmetto Bank

$1B-$10B Specialty: Commercial SC FDIC cert 28396

Designations: ✓ Community bank

Camden, SC

22 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 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
Deposits +7.0% year over year ($993.9M on the books).
Delinquency rate 0.15%.
Return on assets 1.36%.
Efficiency ratio 54.77% vs a 59.73% peer average.
Loan-to-deposit ratio 78.93% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 13 in SC

View $1B-$10B leaderboard (SC) →

First Palmetto Bank has 2 strengths but faces 3 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

+ Credit Quality Leader: Top 17.2% in tier
+ Efficiency Ratio 4.95% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.4% in tier
- Credit Risk Growth: Bottom 13.9% in tier
- Net Interest Margin 0.28% below tier average

Get updates when First Palmetto 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 ?	$1.1B +7.3% YoY +2.0% QoQ	-$1.7B	$2.8B -0.6% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	Bottom 9.8% in tier
Total Loans ?	$784.4M +4.4% YoY +0.3% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	Bottom 12.9% in tier
Total Deposits ?	$993.9M +7.0% YoY +2.2% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	15%
Return on Assets ?	1.36% +37.0% YoY -10.2% QoQ	-0.03%	1.39% +17.0% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	3.59% +10.4% YoY +1.5% QoQ	-0.28%	3.87% +6.2% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	54.77% -13.8% YoY +3.3% QoQ	-4.95%	59.73% -12.6% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	63%
Delinquency Rate ?	0.15% +66.8% YoY +1.3% QoQ	-0.72%	0.87% +11.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	78.93% -2.4% YoY -1.8% QoQ	-6.11%	85.04% -0.1% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	21.46% +10.7% YoY +8.4% QoQ	+0.19%	21.27% -1.5% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.11% +43.3% YoY -0.4% QoQ	-0.57%	0.67% +11.7% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	13.63% +5.8% YoY +2.2% QoQ	-1.21%	14.84% -0.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.38% +60.8% YoY +37.8% QoQ	-0.15%	0.53% +2.5% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	68%

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	21.5% +2.1pp YoY +1.7pp QoQ	+0.1pp	21.4%	21.7%	22.2%	58%
Brokered Deposits	n/a	n/a	9.5%	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	3.0% -0.3pp YoY -0.1pp QoQ	-11.0pp	14.0%	9.8%	12.5%	9%
CRE	57.8% +1.1pp YoY +0.4pp QoQ	+7.8pp	50.0%	43.3%	41.4%	70%
1-4 Family	39.3% -0.7pp YoY -0.1pp QoQ	+12.8pp	26.4%	44.4%	31.3%	81%
Consumer	0.8% 0.0pp YoY +0.1pp QoQ	-4.0pp	4.7%	4.5%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.8pp YoY +0.3pp QoQ	-2.0pp	15.6%	18.1%	19.7%	52%
Leverage Ratio	9.4% +0.2pp YoY 0.0pp QoQ	-1.9pp	11.3%	12.3%	12.6%	21%
Total Capital Ratio	14.9% +0.7pp YoY +0.3pp QoQ	-1.8pp	16.7%	19.1%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	177 +12 (+7.3%) YoY -1 (-0.6%) QoQ	-137	313	174	482	33%
Assets per Employee ($)	$6.2M 0.0% YoY +2.6% QoQ	-$4.3M	$10.5M	$7.8M	$8.8M	14%
Branch Count	22 0 YoY 0 QoQ	+2	20	12	18	70%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	0.1% +0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.5%	1.0%	16%
Allowance Coverage	10.49x -40.2% YoY +0.9% QoQ	-8.22x	18.71x	15.59x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	14.9% +3.9pp YoY -1.8pp QoQ	+2.3pp	12.6%	11.7%	11.6%	73%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	42%
Net Income ($, YTD)	$7.3M +47.5% YoY — QoQ	-$11.9M	$19.2M	$9.6M	$40.4M	26%

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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 (1)

Credit Quality Leader

growth

#39 of 221 • Top 17.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#52 of 492 • Bottom 10.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#57 of 402 • Bottom 13.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

142

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#142 of 885 Top 15.9% in $1B-$10B

151

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.87%

#151 of 882 Top 17.0% in $1B-$10B

Top Weaknesses (3 metrics)

799

Total Assets

size

Value: $1.10B

Peer Median: $2.79B

#799 of 885 Bottom 9.8% in $1B-$10B

772

Total Loans

size

Value: $784.42M

Peer Median: $1.96B

#772 of 885 Bottom 12.9% in $1B-$10B

750

Total Deposits

size

Value: $993.86M

Peer Median: $2.32B

#750 of 885 Bottom 15.4% in $1B-$10B