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Pee Dee Federal Savings Bank

Marion, SC · Cert 29582

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pee Dee Federal Savings Bank

Marion, SC · Cert 29582

State savings bank · OCC · 1 branch

Q2 2026

$37.1MAssets
$13.5MLoans
$29.4MDeposits
$7.7MEquity
Loan mix
8%RE $1.0M63%C&I $8.6M29%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $24.9M15%Noninterest $4.4MQ2 2025Q2 2026

NIM

4.34%Q2 ’244.57%Q2 ’254.53%Q2 ’26+6%-2%

Non-interest income vs. expense

2.93%Q2 ’243.11%Q2 ’253.18%Q2 ’26+4%+3%

Executive Summary

  • Earnings: ROA of 0.99%, down 16 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.27% of loans (+27 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 20.51%, up 52 bps from a year ago.
  • Funding: loans stand at 46.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.01%-7 bps YoY

Efficiency Ratio (YTD, annualized)

76.18%+327 bps YoY

Tier 1 Leverage Ratio

20.51%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.18%1.08%0.95%0.99%-16 bps
Return on Equity5.86%6.01%5.49%4.77%4.90%-96 bps
Net Interest Margin4.08%4.05%4.04%3.90%4.01%-7 bps
Efficiency Ratio72.91%72.34%74.83%76.80%76.18%+327 bps
Non-Interest Burden2.92%2.87%2.98%2.96%3.02%+9 bps
Growth
Asset Growth (YoY)-4.04%-1.90%1.55%3.17%2.38%+642 bps
Loan Growth (YoY)0.38%2.06%11.12%8.21%5.52%+514 bps
Deposit Growth (YoY)-6.16%-3.59%0.58%2.61%1.69%+785 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.21%0.04%0.04%0.27%+27 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.12%0.06%+6 bps
Allowance / Loans4.38%4.37%4.03%4.13%4.12%-26 bps
Allowance Coverage of NPLsn/a20.8x93.7x111.6x15.5xn/a
Capital
Tier 1 Leverage Ratio19.99%19.97%19.89%19.83%20.51%+52 bps
Total Risk-Based Capital43.69%43.67%41.67%42.79%43.51%-18 bps
Equity / Assets20.20%19.99%19.90%19.86%20.74%+54 bps
Liquidity & Funding
Loans / Deposits44.45%43.25%46.24%44.11%46.12%+167 bps
Liquid Assets / Assets63.84%65.01%61.78%64.11%62.28%-156 bps
CRE / Total Capitaln/a7.85%9.45%6.21%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pee Dee Federal Savings Bank

Marion, SC · Cert 29582 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$37.1MAssets
$13.5MLoans
$29.4MDeposits
$7.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets operating in a single state (rank 18 of 746).
  • Widest gap: return on equity trails 83% of banks under $1B in assets operating in a single state (rank 618 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 404 of 746

Net Interest Margin

4.01%

Rank 244 of 746

Efficiency Ratio

76.18%

Rank 566 of 746

Equity / Assets

20.74%

Rank 32 of 746

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state
Bank 76.18%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.72%1.06%1.45%Beats 46%404 / 746
Return on Equity4.84%6.74%10.51%13.63%Beats 17%618 / 746
Net Interest Margin4.01%3.17%3.68%4.16%Beats 67%244 / 746
Efficiency Ratio76.18%55.74%64.58%75.47%Beats 24%566 / 746
Asset Quality
Nonperforming Loans / Loans0.27%0.09%0.42%1.07%Beats 61%291 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 34%495 / 743
Capital
Tier 1 Capital Ratio42.24%11.55%13.75%17.60%Beats 98%18 / 746
Total Risk-Based Capital Ratio43.51%11.71%14.33%18.43%Beats 98%15 / 746
Equity / Assets20.74%8.90%10.51%13.06%Beats 96%32 / 746
Liquidity & Funding
Loans / Deposits46.12%61.31%78.27%90.78%10th pctl674 / 746
Loans / Assets36.56%53.60%66.97%76.08%6th pctl698 / 746
Brokered Deposits / Depositsn/aNot reported for this institution