🏦Bank Scorer

PALMETTO STATE BANK

HAMPTON, SC · Supervised by FDIC

Est. 1907FDIC #17,563RSSD: FDIC-17563
Part ofPALMETTO STATE BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

601 1st St W, HAMPTON, SC

County

Hampton County

Established

January 1, 1907

Total Assets

$619M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$619M

Total Deposits

$515M

Net Loans

$228M

Net Income

$1M

ROA

0.77%

ROE

5.93%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate6.67%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$501M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249092.22%6.67%
20239480.85%12.77%
202214087.14%6.43%
202128092.5%2.50%
202037594.13%3.47%
201917281.4%15.70%
201815490.26%7.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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