# FIRST PALMETTO BANK
CAMDEN, SC · FDIC certificate 28396 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.10B | |
| Deposits | $993.9M | |
| Loans and leases | $796.7M | |
| Total equity | $101.4M | |
| Loans / deposits | 78.93% (p30 of band) | 87.10% |
| Liquid assets / assets | 25.28% (p65 of band) | |
| Uninsured deposits / deposits | 33.43% (p57 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -1.05% (p88 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.36% (p60 of band) | 1.26% |
| Net interest margin | 3.59% (p43 of band) | 3.70% |
| Efficiency ratio | 54.77% (p37 of band) | |
| Noncurrent loans | 0.15% (p18 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 1049.06% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 82.07% (p80 of band) | |
| Auto loans | $878,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 177 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 2 |  | liquid assets <10%, construction >100% equity |
| 2012-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | loans exceed deposits |
| 2012-06 | 3 |  | charge-offs p90, assets shrinking |
| 2012-09 | 5 | charge-offs p90, assets shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 5 | losing money |  |
| 2013-09 | 3 |  | assets shrinking, losing money |
| 2013-12 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-03-25 [First Palmetto Bank begins operations in Greenville, hires local market leaders - upstate business journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxQLXV2V1lNVjUyQjdnZU1XUEZnVGp4NnNRRnpPM3Y5b0kyenRxOEpvb25ONy13X1U1U3A3RzFIcURZMlF5bWRXZG9UMnFTM0pPTXA5QnRieXNhWld1blhzdHRwMEpHZ1E3eS1MLURwaTNITmU2R1RiT2hFRmNGSklxeFhubEVVeC1xdUhOTnFRbUdzYjdGak55WGR0SzVlY1ZObkRjTjZZR1hxQ2pGdjE2M21BRGd2azhkck93dnNydw?oc=5) · upstate business journal
- 2022-01-03 [Longtime timepiece removed from downtown Camden amid ongoing renovations - WLTX](https://news.google.com/rss/articles/CBMi-AFBVV95cUxONUpRVXFZRkc3alU4dGRKc1lhSElJeGFjQ2dJaWRZNjNBZDFaZjZ1OGROVkdWcTQzcWdTcDM3QjVhQk81M1RwSkpIcm5Rd0hVcG9RaV93YVlvMnhMQ0h4RWdaSEM1VDBtbEpRRUJVWGVvcWRuQkJZRzE5SGZsVl81ektla0MybFlCNXRSRkdqYUY1eWxpVDVmY1hRcnl3R05vOGJOcFFMRFlPQzBWdnd6cWtETVNaNGpHa0J1aTZuM3dJUXNiUGtKdF90MUR6bUZhamNVU0VJdWNoWUpzbmtmOUdoOGxNdk1rZGxSaDlORkZoWDJram43VQ?oc=5) · WLTX
- 2024-09-23 [First Palmetto acquires former TD Bank building | Camden - The Lancaster News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPcFVIM0JKakN4a3dTS2luLVk4RzZlVlA0dHZTakZWX0Ewb0N4Qm1mN2FNQkNQXy00V1pXWDlybXNZQTVVY0diQl9PNDBqVnV5QVd3NTFvT2lFN0R0amVzeWpCREk3RmpsUmQ3RllGYURhclFTdklTMXBLcU1BWkdwSTJyMDhlZw?oc=5) · The Lancaster News
- 2019-02-14 [RCSD: Suspect in custody after bank robbery at First Palmetto Bank - WIS News 10](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbFFmS1VOcjN4eC0zWFRFcU9Mc0lmQm9WdDN6cGsxQU5OUGY2V2xQRHFBZ2ZWX29VVUc5aEcwMS1leDdjZWVWOGNYakJ3TWlDazE2NGlhekk5TDRXTmh0NnpNWTY3cFJUNXRLMTI5ZHRKcXdnOE94MlU5Yk8zd0RfOE9fQ2J5dEY2MDhkMDl1b0RLWXJOVlAxbNIBrAFBVV95cUxNRzBJeGFnX0FTOHVvOTN4Vm1SR1VGU1J6ZDJ5bmFTUlBMLWNVbFVtYmtkd0o0VklfWWNid0FWdTNQeHJRRl91aHphTzBzWEw4dnZmaWkwWUxmMU5iV3dIRzNjdEhBVjhWb3BUWUNBS3I2RHZWLWxIOGxQX2Z5dF9QWmpYR1dKaEJRSm5KdVBjLWhjaVRLczVWaE5jdXZuXzVtWXY0MnRSSWlrcng1?oc=5) · WIS News 10
- 2015-09-16 [First Palmetto Bank acquires Loris, Little River locations of South State Bank - myhorrynews.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxOOUMzSTV4bmg5bjRkaHR0bFprRmkxb3Fvend0ZWhsbVNIbmJPTHBidFkzeGRzXzBwWnhYNFNkUXBpeGhqRnBaR0R1SUthdmwxNnhacXN6Y3RyajRHdG05bXpQd1J4bE8xekRPX3B4elRNSUNVbXlZZ08wODhQS2VCaVU2YVVrNmFaWnAwQUFmVkNyZHgyT0hQbk0xYlRFb2RQUTQ4TjVCbWdIUmVCX2ZRRnM0d3B4RmpUY0M1VTNDbjVIMmxwelBTOG00dnJBbVJLWmlEcE52cmhkUmQ3Z1MzNUk3dzlPYjk4T2tNZ1k2OEp6aGZNa1hJS1ZmNDdpckhVU2c?oc=5) · myhorrynews.com
- 2021-02-22 [First Palmetto Bank (SC) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxPY2Nrc2xDNVkzUldFQ1FsdVVacUZ3dTh2YmpDRWZsaXczM3NzUXZqTFJ1Sk9HNDFuZkllSXlyUTBTYmVmUDBKY1BNVGNpaGpHdnRIR3pKZkZLSTVDa1Q2NWE0MFNoR3p1czNjLU1DazN6Q1JJbVQzTXMzTFE4YXdaako0UmxsUkE?oc=5) · SmartAsset
- 2019-10-09 [Darth Vader, First Palmetto Bank Scarecrow - Manning Live](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRVozLWpDNkRLMThHMzJjZHBxakp5aHdYRVR1SHREdWJIOTNJZ0M1UzRPNnBsakZ5OU5QNndRcS1NZ0hxVnZseUU0TDRjX2YydkRPTTUyb1RWUm9xVFdyZU5RTmpRV1ZQOFlGdHQyUlFxLWJtMVJ6YlE2MHJYcG9QcEVjSQ?oc=5) · Manning Live
- 2025-09-08 [First Palmetto Bank site secured for Camden City offices - The Lancaster News](https://news.google.com/rss/articles/CBMihgFBVV95cUxNQkEyZWJiSU9GeVp2RDF0LVptc2RZSFNtUjg4NjlKOTNfMUZzbFBpbEtLX3QxRnh2eHdoaDE2a0dTc2d3TFczbnlNMWtLQUZVUTZjRTBYQ0JodmkzeTJmb09ONndEdC05WEZWc2VSZnZ6WDI0amNlV3RsRHhxQ2s0aHhXdFltUQ?oc=5) · The Lancaster News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "28396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide