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
Unfavorable gap of $1.1M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.72% | 1.06% | 1.45% | Beats 46% | 404 / 746 | | |
| Return on Equity | 4.84% | 6.74% | 10.51% | 13.63% | Beats 17% | 618 / 746 | | |
| Net Interest Margin | 4.01% | 3.17% | 3.68% | 4.16% | Beats 67% | 244 / 746 | | |
| Efficiency Ratio | 76.18% | 55.74% | 64.58% | 75.47% | Beats 24% | 566 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 291 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 495 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 42.24% | 11.55% | 13.75% | 17.60% | Beats 98% | 18 / 746 | | |
| Total Risk-Based Capital Ratio | 43.51% | 11.71% | 14.33% | 18.43% | Beats 98% | 15 / 746 | | |
| Equity / Assets | 20.74% | 8.90% | 10.51% | 13.06% | Beats 96% | 32 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.12% | 61.31% | 78.27% | 90.78% | 10th pctl | 674 / 746 | | |
| Loans / Assets | 36.56% | 53.60% | 66.97% | 76.08% | 6th pctl | 698 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |