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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 $3.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $24.9M15%Noninterest $4.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.95%1.03%1.15%1.18%1.08%0.95%0.99%-16 bps
Return on Equity5.79%5.17%5.32%5.86%6.01%5.49%4.77%4.90%-96 bps
Net Interest Margin3.85%3.87%3.96%4.08%4.05%4.04%3.90%4.01%-7 bps
Efficiency Ratio73.26%76.07%75.13%72.91%72.34%74.83%76.80%76.18%+327 bps
Non-Interest Burden2.79%2.91%2.94%2.92%2.87%2.98%2.96%3.02%+9 bps
Growth
Asset Growth (YoY)2.48%-0.41%-1.94%-4.04%-1.90%1.55%3.17%2.38%+642 bps
Loan Growth (YoY)18.83%2.71%5.57%0.38%2.06%11.12%8.21%5.52%+514 bps
Deposit Growth (YoY)1.80%-1.67%-3.51%-6.16%-3.59%0.58%2.61%1.69%+785 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.21%0.04%0.04%0.27%+27 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.12%0.06%+6 bps
Allowance / Loans4.46%4.47%4.50%4.38%4.37%4.03%4.13%4.12%-26 bps
Allowance Coverage of NPLsn/an/an/an/a20.8x93.7x111.6x15.5xn/a
Capital
Tier 1 Leverage Ratio18.80%18.98%19.42%19.99%19.97%19.89%19.83%20.51%+52 bps
Total Risk-Based Capital41.94%42.75%43.40%43.69%43.67%41.67%42.79%43.51%-18 bps
Equity / Assets18.59%19.13%19.42%20.20%19.99%19.90%19.86%20.74%+54 bps
Liquidity & Funding
Loans / Deposits40.85%41.85%41.82%44.45%43.25%46.24%44.11%46.12%+167 bps
Liquid Assets / Assets66.52%65.67%65.83%63.84%65.01%61.78%64.11%62.28%-156 bps
CRE / Total Capitaln/an/an/an/a7.85%9.45%6.21%n/an/a