What is Palmetto State Bank's financial health grade?

Palmetto State Bank has a TFS Financial Health Grade of F (score: 58.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Palmetto State Bank have?

Palmetto State Bank has 8 branch locations across the United States.

Is Palmetto State Bank FDIC insured?

Yes, Palmetto State Bank is FDIC insured (Certificate #17563).

What are the total assets of Palmetto State Bank?

Palmetto State Bank has total assets of $623.4M as reported in its most recent FDIC filing.

Palmetto State Bank

BankHampton, South Carolina

http://www.palmettostatebank.com

Total Assets

$623.4M

Total Deposits

$517.5M

Branches

Established

1907

TFS Health Grade

58.4 / 100

Poor financial health

How we grade

Palmetto State Bank is a bank headquartered in Hampton, South Carolina, established in 1907. With $623.4M in total assets and 8 branch locations, it has a TFS Financial Health Grade of F (58.4/100).

Capital & Safety

Tier 1 Capital Ratio

14.11%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.12%

Profitability

Return on Assets (ROA)

0.33%(1%)

Return on Equity (ROE)

2.59%(10%)

Net Interest Margin

3.11%

Efficiency Ratio

92.69%(60%)

Lending & Liquidity

Total Loans

$229.6M

Loan-to-Deposit Ratio

43.60%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+3.26%

Deposit Growth (YoY)

+4.01%

Net Income

$2.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Palmetto State BankHQ	601 1st St W	Hampton	SC	11
Palmetto State Bank	230 Main St N	Allendale	SC	11
Palmetto State Bank	230 Main St S	Allendale	SC	23
Palmetto State Bank	2347 Boundary St	Beaufort	SC	11
Palmetto State Bank	194 Bluffton Rd	Bluffton	SC	11
Palmetto State Bank	106 3rd St E	Estill	SC	11
Palmetto State Bank	127 Hampton Ave	Fairfax	SC	11
Palmetto State Bank	145 Ladys Island Dr	Lady'S Island	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.