FDIC Cert #17563 · Hampton, South Carolina · Est. 1907

Palmetto State Bank - FDIC Bank Health Profile

A community-scale look at Palmetto State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$623M
Total assets
C
Health grade · Fair
0.33%
Return on assets
14.5%
Tier 1 capital

Data updated July 2026

The verdict

Palmetto State Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.51% Tier 1, 0.33% ROA, 93% efficiency ratio.

#1,529
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
14.51%
Tier 1 ratio - above the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17563 · SC C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3645/4307
  • PHOTO-FINISH Defiance State Bank · IA
  • TIER1-WELL 14.5% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-THIN 0.33% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Defiance State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Palmetto State Bank

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Defiance State Bank · IA · n…62/100Meredith Village Sav… · NH ·…62/100Merrimack County Sav… · NH ·…62/100Palmetto State Bank · SC · t…62/100South Story Bank & T… · IA ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Palmetto State Bank · July 2026

Call Report read for Palmetto State Bank in a high-failure state

Palmetto State Bank (FDIC Cert #17563) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,645 of 4,307. Tier 1 capital prints at 14.51%, clearing the 10% well-capitalized line. The Texas Ratio is 0.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.33%. Balance-sheet scale is $623M, 1,529th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Defiance State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Palmetto State Bank

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Palmetto State Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Palmetto State Bank's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How Palmetto State Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Palmetto State Bank's composite health score
Tier 1 Capital Ratio (14.51%) 35/40
Return on Assets (ROA) (0.33%) 7/25
Texas Ratio (0.33%) 20/20
Efficiency Ratio (92.68%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$623M

Total balance-sheet footings

Total Deposits

$518M

Customer-funded liabilities

Net Loans

$226M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.11% 14.51% 15.91%
Basel III capital ratios - Palmetto State Bank

Where Palmetto State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Palmetto State Bank's score of 62/100 falls in the highlighted band.

Palmetto State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Palmetto State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Palmetto State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Palmetto State Bank's $623M falls in the highlighted band.

Capital & credit buffers at Palmetto State Bank

Tier 1 capital ratio
Well-capitalized 10%

14.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.51%
Texas Ratio
0.33%
Equity Capital
$80M

What these ratios mean →

Profitability metrics: Palmetto State Bank

Return on Assets (ROA)
11th percentile nationally
0.33%
Return on Equity (ROE)
2.58%
Efficiency Ratio
92.68%

What these mean →

Income & expense at Palmetto State Bank

$24M
Interest Income
$5M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Palmetto State Bank reports a Texas Ratio of 0.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Palmetto State Bank on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($623M here), outside South Carolina so the neighborhood is not state containment.

Southeastern Bank $623M · GA Greenville National Bank $623M · OH The Fairfield National Bank $623M · IL The State National Bank of Big Spring $624M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Palmetto State Bank (FDIC Cert #17563) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Palmetto State Bank Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%