| Metric | Palmetto State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +12.2% | +5.3% | +6.9 pts |
| ROA | 0.96% | 1.28% | -0.3 pts |
| ROE | 7.2% | 12.4% | -5.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.5M | $493.7M | $229.7M | $82.8M | $2.9M | 0.96% | 3.23% | 0.05% |
| Q1 2026 | $619.1M | $515.1M | $227.9M | $81.0M | $1.2M | 0.77% | 3.15% | 0.04% |
| Q4 2025 | $623.4M | $517.5M | $225.7M | $80.3M | $2.0M | 0.33% | 3.11% | 0.05% |
| Q3 2025 | $599.8M | $490.2M | $218.8M | $83.9M | $5.4M | 1.19% | 3.10% | 0.10% |
| Q2 2025 | $604.0M | $500.6M | $204.7M | $78.9M | $2.4M | 0.79% | 3.07% | 0.08% |
| Q1 2025 | $634.1M | $526.8M | $202.1M | $77.7M | $981K | 0.63% | 3.00% | 0.08% |
| Q4 2024 | $603.7M | $497.6M | $213.1M | $74.4M | $5.1M | 0.85% | 2.90% | 0.07% |
| Q3 2024 | $597.4M | $488.9M | $204.9M | $79.0M | $3.5M | 0.78% | 2.84% | 0.14% |
Loan mix (Q2 2026): real estate $184.8M · commercial $34.2M · consumer $10.9M · securities $298.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Palmetto State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.28% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 12.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 61.2% | 64th |
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 | Palmetto State 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 | Palmetto State 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 | Palmetto State 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 | Palmetto State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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