Palmetto State Bank (FDIC #17563): Bank Stress & Real-Estate Credit Exposure

Palmetto State Bank (FDIC Cert #17563): bank stress 58/100, moderate, STABLE over 7 days; parent PALMETTO STATE BANKSHARES INC.

Palmetto State Bank (#17563) lends in 3 counties across 1 state; Palmetto State Bank (#17563) reaches 32 ZIP codes: South Carolina 3 counties, 32 ZIPs.

Palmetto State Bank (#17563) largest markets: Beaufort County, SC (48 branches, 16 ZIPs) (#17563), Hampton County, SC (26 branches, 13 ZIPs) (#17563), Allendale County, SC (18 branches, 6 ZIPs) (#17563).

Palmetto State Bank (#17563) reports $597.5 million in total assets; Palmetto State Bank (#17563) equity $82.8 million (13.9% of Palmetto State Bank (#17563) assets); Palmetto State Bank (#17563) domestic deposits $493.7 million; Palmetto State Bank (#17563) net income $2.9 million; Palmetto State Bank (#17563) return on assets 0.96%; Palmetto State Bank (#17563) return on equity 7.23%; Palmetto State Bank (#17563) net interest income $9.4 million; Palmetto State Bank (#17563) call report June 30, 2026.

Palmetto State Bank (#17563) noncurrent real-estate loans: none reported; Palmetto State Bank (#17563) net charge-offs on real estate 0.06%.

Palmetto State Bank (#17563) net interest margin 3.23% against an eight-quarter Palmetto State Bank (#17563) average of 3.05% (Palmetto State Bank (#17563) compression -0.18 points); Palmetto State Bank (#17563) rate-exposure score 40/100, Palmetto State Bank (#17563) fixed-rate trap 40/100; Palmetto State Bank (#17563) risk type credit driven; Palmetto State Bank (#17563) rate regime rates elevated, Palmetto State Bank (#17563) snapshot October 19, 2026.

Palmetto State Bank (#17563) stress score moved from 62.6 on June 22, 2026 to 57.7 on October 19, 2026; Palmetto State Bank (#17563) ranged 57.7 to 62.6 over 116 snapshots.

Palmetto State Bank (#17563) alerts: 3 counties; top Palmetto State Bank (#17563) alert scores: Hampton County, SC 42 (moderate); Bluffton County, SC 21 (low); Fairfax County, SC 21 (low).