🏦Bank Scorer

FIRST PALMETTO BANK

CAMDEN, SC · Supervised by FDIC

Est. 1904FDIC #28,396RSSD: FDIC-28396
Part ofFIRST PALMETTO FINANCIAL CORP→ View all charters
Needs to Improve Down

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.52%

Institution Profile

FDIC BankFind

Address

315 E Dekalb St, CAMDEN, SC

County

Kershaw County

Established

January 1, 1904

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$973M

Net Loans

$782M

Net Income

$4M

ROA

1.52%

ROE

16.68%

Risk-Based Capital

14.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.57%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

22

Branch Deposits

$929M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202458986.76%3.57%
202363288.61%3.32%
202279892.86%2.01%
20211,55395.24%0.71%
20201,40590.18%2.49%
201928877.78%10.76%
201824174.27%14.94%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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