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Pickens Savings and Loan Association, FA

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

Pickens, SC

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +2.8% year over year ($117.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.70%.
  • Efficiency ratio 72.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 40.7% in tier
  • - Non-Interest-Bearing Deposit Share 16.43% below tier average
  • - ROA 0.62% below tier average
  • - Net Interest Margin 0.85% below tier average
  • - Efficiency Ratio 8.45% above tier average
Get updates when Pickens Savings and Loan Association, FA releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $138.3M
+5.6% YoY +1.7% QoQ
-$248.3M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Bottom 10.6% in tier
Total Loans ? $85.4M
+8.5% YoY +2.0% QoQ
-$173.0M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
Bottom 12.5% in tier
Total Deposits ? $117.2M
+2.8% YoY +1.3% QoQ
-$209.5M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
Bottom 10.8% in tier
Return on Assets ? 0.70%
+75.4% YoY -2.0% QoQ
-0.62% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.14%
+7.8% YoY +1.5% QoQ
-0.85% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
Bottom 14.2% in tier
Efficiency Ratio ? 72.93%
-8.1% YoY +1.4% QoQ
+8.45% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 72.81%
+5.5% YoY +0.7% QoQ
-5.14% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 5.60%
-0.6% YoY +4.4% QoQ
-16.43% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
Bottom 4.3% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 21.38%
-1.3% YoY -0.4% QoQ
+5.47% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
Top 11.4% in tier
Non-Interest Income / Assets ? 0.11%
-11.7% YoY +106.1% QoQ
-0.46% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
22%

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 5.6%
0.0pp YoY
+0.2pp QoQ
 -16.5pp 22.1% 21.7% 22.2% 4%
Brokered Deposits 1.4%
-1.0pp YoY
-0.4pp QoQ
 -6.4pp 7.9% 10.6% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 1.2%
+0.6pp YoY
+0.2pp QoQ
 -10.4pp 11.6% 9.8% 12.5% 4%
CRE 17.2%
-0.5pp YoY
-0.6pp QoQ
 -22.4pp 39.5% 43.3% 41.4% 14%
1-4 Family 81.6%
0.0pp YoY
+0.5pp QoQ
 +49.0pp 32.6% 44.4% 31.3% 97%
Consumer 1.0%
-0.1pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 4.5% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 21.4%
-0.3pp YoY
-0.1pp QoQ
 +2.6pp 18.8% 18.1% 19.7% 81%
Leverage Ratio 10.9%
0.0pp YoY
0.0pp QoQ
 -1.3pp 12.2% 12.3% 12.6% 48%
Total Capital Ratio 22.6%
-0.3pp YoY
-0.1pp QoQ
 +2.7pp 19.9% 19.1% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 19
0 YoY
0 QoQ
 -40 58 174 482 9%
Assets per Employee ($) $7.3M
+5.6% YoY
+1.7% QoQ
 -$240K $7.5M $7.8M $8.8M 57%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 15.59x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 7.4%
+2.9pp YoY
-0.2pp QoQ
 -4.8pp 12.2% 11.7% 11.6% 22%
Cost of Funds (YTD) 1.7%
0.0pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 53%
Net Income ($, YTD) $478,000
+84.6% YoY
— QoQ
 -$2.1M $2.6M $9.6M $40.4M 10%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#303 of 742 • 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: 21.38%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 72.81%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
301
Tier 1 Capital Ratio
capital
Value: 21.38%
Peer Median: 15.91%
#301 of 2643 Top 11.4% in $100M-$1B

Top Weaknesses (8 metrics)

2530
Non-Interest-Bearing Deposit Share
funding
Value: 5.60%
Peer Median: 22.03%
#2530 of 2643 Bottom 4.3% in $100M-$1B
2364
Total Assets
size
Value: $138.29M
Peer Median: $386.57M
#2364 of 2643 Bottom 10.6% in $100M-$1B
2358
Total Deposits
size
Value: $117.24M
Peer Median: $326.73M
#2358 of 2643 Bottom 10.8% in $100M-$1B
2313
Total Loans
size
Value: $85.36M
Peer Median: $258.35M
#2313 of 2643 Bottom 12.5% in $100M-$1B
2269
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.99%
#2269 of 2643 Bottom 14.2% in $100M-$1B
2139
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2139 of 2643 Bottom 19.1% in $100M-$1B
2063
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2063 of 2643 Bottom 22.0% in $100M-$1B
2009
Efficiency Ratio
profitability
Value: 72.93%
Peer Median: 64.48%
#2009 of 2643 Bottom 24.0% in $100M-$1B
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