Side-by-side · Q2 2026 data
Palmetto State Bank vs Savannah Postal Credit Union
Metric by metric
| Measure | Palmetto State Bank | Savannah Postal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 60 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 58 (stronger) | 43 |
| Funding & liquidity | 86 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 61 |
| Peer percentile | 92nd | 22nd |
| Total assets | $597.5M | $24.6M |
| Deposits / shares | $493.7M | $20.7M |
| Capital ratio | 14.85% | 15.05% (stronger) |
| Problem loans | 0.12% (stronger) | 5.80% |
| Net charge-offs | -0.03% (stronger) | 0.84% |
| Return on assets | 0.96% (stronger) | 0.57% |
| Loans ÷ deposits | 46.5% (stronger) | 60.9% |
| Uninsured deposits | 27.4% | 6.2% (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 60). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 5 and Savannah Postal Credit Union on 2. 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.