| Metric | First Palmetto Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +7.0% | +5.1% | +2.0 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.5 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 14.9% | 12.2% | +2.7 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.10B | $993.9M | $784.4M | $101.4M | $7.3M | 1.36% | 3.59% | 0.11% |
| Q1 2026 | $1.08B | $972.9M | $782.1M | $99.1M | $4.0M | 1.52% | 3.54% | 0.11% |
| Q4 2025 | $1.06B | $956.3M | $766.7M | $95.1M | $10.9M | 1.07% | 3.42% | 0.13% |
| Q3 2025 | $1.04B | $941.1M | $755.4M | $95.1M | $7.9M | 1.05% | 3.35% | 0.07% |
| Q2 2025 | $1.03B | $928.7M | $751.0M | $92.9M | $5.0M | 0.99% | 3.26% | 0.07% |
| Q1 2025 | $1.00B | $907.3M | $725.4M | $90.9M | $2.3M | 0.91% | 3.15% | 0.10% |
| Q4 2024 | $975.3M | $882.1M | $710.0M | $88.6M | $7.7M | 0.81% | 3.01% | 0.08% |
| Q3 2024 | $973.1M | $879.9M | $686.3M | $88.5M | $5.5M | 0.78% | 2.97% | 0.10% |
Loan mix (Q2 2026): real estate $765.8M · commercial $23.8M · consumer $5.9M · securities $121.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Palmetto Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 59.0% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Palmetto Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Palmetto Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Palmetto Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Palmetto Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.