The photos show classic symptoms of Ganoderma zonatum, a fatal fungal disease that rots the lower 4–5 feet of palm trunks. Confirmation requires seeing the hard, shelf-like conk (basidiocarp) on the trunk or internal rot after felling. There are no chemical cures once infected.
Some growers report success using Atomic Grow, an organic product that raises plant brix (sugar levels) and may suppress fungal activity. While not a guaranteed cure, it offers a low-risk attempt for a tree already facing a "death sentence." Application involves soil drench and foliar spray per label.
If the palm is a high-value specimen, you may try the organic regimen while monitoring for conk formation. If conks appear or decline accelerates, removal is the responsible choice to protect nearby palms.
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