Side-by-side · Q2 2026 data
Palmetto State Bank vs Home Federal Savings and Loan Association
Bank
Home Federal Savings and Loan Association
Bamberg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Palmetto State Bank | Home Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 98 (stronger) | 94 |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 58 (stronger) | 35 |
| Funding & liquidity | 86 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 92nd | 58th |
| Total assets | $597.5M | $40.5M |
| Deposits / shares | $493.7M | $33.9M |
| Capital ratio | 14.85% (stronger) | 14.44% |
| Problem loans | 0.12% (stronger) | 0.28% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.96% (stronger) | 0.38% |
| Loans ÷ deposits | 46.5% (stronger) | 95.8% |
| Uninsured deposits | 27.4% | 11.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Palmetto State Bank has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 6 and Home Federal Savings and Loan Association on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.