Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs Palmetto State Bank
Metric by metric
| Measure | Carolina Bank & Trust Co. | Palmetto State Bank |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 85 | 98 (stronger) |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 94 (stronger) | 58 |
| Funding & liquidity | 50 | 86 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 84th | 92nd |
| Total assets | $844.6M | $597.5M |
| Deposits / shares | $727.4M | $493.7M |
| Capital ratio | 13.51% | 14.85% (stronger) |
| Problem loans | 0.41% | 0.12% (stronger) |
| Net charge-offs | 0.20% | -0.03% (stronger) |
| Return on assets | 1.85% (stronger) | 0.96% |
| Loans ÷ deposits | 82.3% | 46.5% (stronger) |
| Uninsured deposits | 40.1% | 27.4% (stronger) |
| Offices | 14 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 9.1% |
Palmetto State Bank has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 1 and Palmetto State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.