BlastPoint's Banking Scorecard

Pickens Savings and Loan Association, FA

$100M-$1B Specialty: Mortgage SC FDIC cert 31089

Pickens, SC

2 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Pickens Savings and Loan Association, FA has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 44.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 40.7% in tier
- Non-Interest-Bearing Deposit Share 16.66% below tier average
- ROA 0.55% below tier average
- Net Interest Margin 0.84% below tier average
- Efficiency Ratio 6.62% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$136.0M +5.0% YoY +1.0% QoQ	-$250.1M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Bottom 9.9% in tier
Total Loans ?	$83.7M +9.9% YoY +0.5% QoQ	-$172.1M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	Bottom 12.8% in tier
Total Deposits ?	$115.7M +3.1% YoY +1.1% QoQ	-$212.3M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Bottom 10.6% in tier
Return on Assets ?	0.72% +64.5% YoY +40.9% QoQ	-0.55%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.09% +7.5% YoY +3.3% QoQ	-0.84%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	Bottom 14.0% in tier
Efficiency Ratio ?	71.90% -13.7% YoY -7.5% QoQ	+6.62%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	72.31% +6.6% YoY -0.6% QoQ	-4.32%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	5.36% -0.5% YoY +0.4% QoQ	-16.66%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	Bottom 3.8% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.47% -1.9% YoY +0.3% QoQ	+5.64%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Top 10.8% in tier
Non-Interest Income / Assets ?	0.05% -17.2% YoY -77.6% QoQ	-0.23%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#293 of 664 • Top 44.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#302 of 739 • Bottom 40.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.47%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 72.31%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

289

Tier 1 Capital Ratio

capital

Value: 21.47%

Peer Median: 15.83%

#289 of 2664 Top 10.8% in $100M-$1B

Top Weaknesses (7 metrics)

2563

Non-Interest-Bearing Deposit Share

funding

Value: 5.36%

Peer Median: 22.02%

#2563 of 2664 Bottom 3.8% in $100M-$1B

2400

Total Assets

size

Value: $135.96M

Peer Median: $386.08M

#2400 of 2664 Bottom 9.9% in $100M-$1B

2382

Total Deposits

size

Value: $115.69M

Peer Median: $327.97M

#2382 of 2664 Bottom 10.6% in $100M-$1B

2324

Total Loans

size

Value: $83.66M

Peer Median: $255.72M

#2324 of 2664 Bottom 12.8% in $100M-$1B

2293

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.93%

#2293 of 2664 Bottom 14.0% in $100M-$1B

2093

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2093 of 2664 Bottom 21.5% in $100M-$1B

2090

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.27%

#2090 of 2664 Bottom 21.6% in $100M-$1B