BlastPoint's Banking Scorecard
Pee Dee Federal Savings Bank
Designations: ✓ Community bank
Marion, SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 3 in SC.
- Deposits +1.7% year over year ($29.4M on the books).
- Delinquency rate 0.28%.
- Return on assets 0.99%.
- Efficiency ratio 76.18% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.22% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pee Dee Federal Savings Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 43.21% below tier average
- + Delinquency Rate 1.20% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.1M
+2.4% YoY
-3.0% QoQ
|
-$25.4M |
$62.4M
-0.0% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$13.0M
+5.8% YoY
+0.3% QoQ
|
-$21.9M |
$34.9M
-0.6% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.4% in tier |
| Total Deposits ? |
$29.4M
+1.7% YoY
-4.1% QoQ
|
-$22.3M |
$51.6M
-0.2% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
0.99%
-13.9% YoY
+4.2% QoQ
|
-0.01% |
1.00%
+3.5% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
4.09%
-1.2% YoY
+1.6% QoQ
|
+0.18% |
3.91%
+2.3% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
76.18%
+4.5% YoY
-0.8% QoQ
|
-43.21% |
119.40%
+49.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.28%
+617.8% QoQ
|
-1.20% |
1.48%
+31.8% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
44.22%
+4.0% YoY
+4.6% QoQ
|
-29.98% |
74.21%
+12.6% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
15.13%
+4.5% YoY
-7.4% QoQ
|
-8.36% |
23.49%
+0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.10%
+642.4% QoQ
|
-0.74% |
0.84%
+23.0% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
42.24%
-0.4% YoY
+1.7% QoQ
|
+15.11% |
27.13%
+3.0% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 9.5% in tier |
| Non-Interest Income / Assets ? |
0.08%
-13.8% YoY
+106.2% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
+0.7pp YoY -1.2pp QoQ |
-9.5pp | 24.6% | 21.7% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 9.8% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
65.8%
-2.1pp YoY -0.3pp QoQ |
+52.4pp | 13.4% | 9.8% | 12.5% | 100% |
| CRE | n/a | n/a | 25.2% | 43.3% | 41.4% | n/a |
| 1-4 Family |
5.0%
-0.6pp YoY +0.6pp QoQ |
-30.0pp | 35.0% | 44.4% | 31.3% | 14% |
| Consumer |
30.0%
+4.5pp YoY -0.1pp QoQ |
+22.3pp | 7.7% | 4.5% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
42.2%
-0.2pp YoY +0.7pp QoQ |
+3.6pp | 38.7% | 18.1% | 19.7% | 84% |
| Leverage Ratio |
20.5%
+0.5pp YoY +0.7pp QoQ |
+2.8pp | 17.7% | 12.3% | 12.6% | 86% |
| Total Capital Ratio |
43.5%
-0.2pp YoY +0.7pp QoQ |
+3.8pp | 39.7% | 19.1% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 174 | 482 | 20% |
| Assets per Employee ($) |
$5.3M
+2.4% YoY -3.0% QoQ |
-$895K | $6.2M | $7.8M | $8.8M | 41% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.2pp QoQ |
-1.5pp | 1.7% | 0.5% | 1.0% | 28% |
| Allowance Coverage |
15.50x
-86.1% QoQ |
+9.09x | 6.41x | 15.59x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.9%
-1.0pp YoY +0.1pp QoQ |
-1.5pp | 6.4% | 11.7% | 11.6% | 32% |
| Cost of Funds (YTD) |
0.5%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$186,000
-11.8% YoY — QoQ |
-$132K | $317,817 | $9.6M | $40.4M | 34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.