First Palmetto Bank (FDIC #28396): Bank Stress & Real-Estate Credit Exposure

First Palmetto Bank (FDIC Cert #28396): bank stress 66/100, elevated, STABLE over 7 days; parent FIRST PALMETTO FINANCIAL CORP.

First Palmetto Bank (#28396) lends in 12 counties across 1 state; First Palmetto Bank (#28396) reaches 163 ZIP codes: South Carolina 12 counties, 163 ZIPs.

First Palmetto Bank (#28396) largest markets: Charleston County, SC (31 branches, 31 ZIPs) (#28396), Greenville County, SC (27 branches, 27 ZIPs) (#28396), Richland County, SC (75 branches, 25 ZIPs) (#28396), Lexington County, SC (36 branches, 18 ZIPs) (#28396), Horry County, SC (64 branches, 16 ZIPs) (#28396), Dorchester County, SC (15 branches, 15 ZIPs) (#28396).

First Palmetto Bank (#28396) reports $1.10 billion in total assets; First Palmetto Bank (#28396) equity $101.4 million (9.2% of First Palmetto Bank (#28396) assets); First Palmetto Bank (#28396) domestic deposits $993.9 million; First Palmetto Bank (#28396) net income $7.3 million; First Palmetto Bank (#28396) return on assets 1.36%; First Palmetto Bank (#28396) return on equity 14.91%; First Palmetto Bank (#28396) net interest income $18.5 million; First Palmetto Bank (#28396) call report June 30, 2026.

First Palmetto Bank (#28396) noncurrent real-estate loans: none reported; First Palmetto Bank (#28396) net charge-offs on real estate 0.15%; First Palmetto Bank (#28396) residential charge-offs 0.01%.

First Palmetto Bank (#28396) net interest margin 3.59% against an eight-quarter First Palmetto Bank (#28396) average of 3.29% (First Palmetto Bank (#28396) compression -0.31 points); First Palmetto Bank (#28396) non-residential real estate 0.8% of equity; First Palmetto Bank (#28396) rate-exposure score 40/100, First Palmetto Bank (#28396) fixed-rate trap 40/100; First Palmetto Bank (#28396) risk type credit driven; First Palmetto Bank (#28396) rate regime rates elevated, First Palmetto Bank (#28396) snapshot October 19, 2026.

First Palmetto Bank (#28396) stress score moved from 61.7 on June 22, 2026 to 66.1 on October 20, 2026; First Palmetto Bank (#28396) ranged 61.7 to 66.1 over 117 snapshots.

First Palmetto Bank (#28396) alerts: 12 counties; top First Palmetto Bank (#28396) alert scores: Lancaster County, SC 45 (moderate); Lexington County, SC 42 (moderate); Greenville County, SC 40 (moderate); Darlington County, SC 39 (moderate); Bishopville County, SC 23 (low).