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Palmetto State Bank
Hampton, SC · FDIC Certificate #17563 · Chartered 01/0
Total assets
$597.49M
Total deposits
$493.66M
Total equity
$82.78M
Net loans
$229.70M
Branches (offices)
8
Net income (YTD)
$2.94M
Rank: #1,558 of 4,213 U.S. banks by assets · #20 of 43 in South Carolina. Assets changed -1.1% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 7.23% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 13.85% |
| Tier 1 leverage ratio | 14.85% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 46.5% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $184.80M | 80.4% | |
| Commercial & industrial | $34.22M | 14.9% | |
| Consumer / individual | $10.87M | 4.7% | |
| Construction & development | $36.46M | 15.9% | |
| Agricultural | $149.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $692.72M | $593.32M | $2.47M | $70.13M |
| Jun 2023 | $613.10M | $514.70M | $4.62M | $72.11M |
| Jun 2024 | $596.71M | $492.90M | $2.37M | $74.92M |
| Jun 2025 | $604.01M | $500.63M | $2.43M | $78.91M |
| Jun 2026 | $597.49M | $493.66M | $2.94M | $82.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $493.66M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $493.66M.
Similar-sized banks
Hatboro Federal Savings, Fa ($597.77M) · Regional Missouri Bank ($597.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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