PackageTrendsPeer
Letter portraitLegal landscape

Pickens Savings and Loan Association, Federal Association

Pickens, SC · Cert 31089

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

37

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

Pickens Savings and Loan Association, Federal Association

Pickens, SC · Cert 31089

State savings bank · OCC · 2 branches

Q2 2026

$138.3MAssets
$86.2MLoans
$117.2MDeposits
$13.2MEquity
Loan mix
98%RE $82.7M1%C&I $0.9M1%Consumer $0.9MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $110.7M6%Noninterest $6.6MQ3 2024Q2 2026

Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.4% share · #26 of 40 inst. · $0.1B of $26.1B

Executive Summary

  • Earnings: ROA of 0.70%, up 30 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.86%, up 5 bps from a year ago.
  • Funding: loans stand at 73.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+25 bps YoY

Efficiency Ratio (YTD, annualized)

72.93%-645 bps YoY

Tier 1 Leverage Ratio

10.86%+5 bps YoY

NIM

4.31%Q2 ’244.25%Q2 ’254.50%Q2 ’26-5%+9%

Non-interest income vs. expense

2.53%Q2 ’242.31%Q2 ’252.28%Q2 ’26-10%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.46%0.43%0.40%0.47%0.51%0.72%0.70%+30 bps
Return on Equity4.62%5.10%4.87%4.50%5.21%5.58%7.60%7.43%+292 bps
Net Interest Margin2.62%2.66%2.64%2.66%2.68%2.69%2.87%2.90%+25 bps
Efficiency Ratio83.91%82.32%83.30%79.39%78.36%77.75%71.90%72.93%-645 bps
Non-Interest Burden2.16%2.15%2.15%2.06%2.05%2.04%2.01%2.06%0 bps
Growth
Asset Growth (YoY)2.49%2.73%2.33%3.34%3.85%5.12%4.99%5.61%+227 bps
Loan Growth (YoY)4.91%6.83%6.30%9.01%11.47%9.40%9.75%8.40%-61 bps
Deposit Growth (YoY)0.66%2.97%1.97%3.69%4.07%2.94%3.06%2.77%-93 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.22%0.00%0.03%0.15%0.03%0.00%0.00%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.08%1.07%1.03%0.98%0.96%0.98%0.97%-6 bps
Allowance Coverage of NPLs9.0x4.9xn/a32.9x6.3x36.9xn/an/an/a
Capital
Tier 1 Leverage Ratio10.84%10.91%10.85%10.81%10.79%10.76%10.81%10.86%+5 bps
Total Risk-Based Capital23.05%23.05%23.14%22.90%22.41%22.64%22.72%22.63%-27 bps
Equity / Assets9.32%8.91%8.95%8.79%9.28%9.52%9.31%9.52%+73 bps
Liquidity & Funding
Loans / Deposits67.21%69.11%68.58%69.71%71.98%73.44%73.03%73.53%+382 bps
Liquid Assets / Assets7.97%7.14%8.66%7.92%7.34%6.34%7.24%7.25%-67 bps
CRE / Total Capitaln/an/an/an/a107.74%103.44%100.20%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

Pickens Savings and Loan Association, Federal Association

Pickens, SC · Cert 31089 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 2 branches

Q2 2026

$138.3MAssets
$86.2MLoans
$117.2MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets (rank 501 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.69%

Rank 444 of 629

Net Interest Margin

2.90%

Rank 501 of 629

Efficiency Ratio

73.03%

Rank 395 of 629

Equity / Assets

9.52%

Rank 424 of 629

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 37% of banks under $1B in assets
Bank 73.03%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.69%0.60%1.01%1.45%Beats 29%444 / 629
Return on Equity7.26%5.38%9.30%13.28%Beats 34%416 / 629
Net Interest Margin2.90%3.03%3.54%4.05%Beats 20%501 / 629
Efficiency Ratio73.03%58.35%67.79%79.08%Beats 37%395 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 69%184 / 581
Capital
Tier 1 Capital Ratio21.38%11.24%13.84%18.77%Beats 80%127 / 629
Total Risk-Based Capital Ratio22.63%11.58%14.43%19.66%Beats 80%123 / 629
Equity / Assets9.52%9.09%10.65%13.80%Beats 33%424 / 629
Liquidity & Funding
Loans / Deposits73.53%67.24%80.90%93.48%36th pctl379 / 594
Loans / Assets62.33%53.31%67.71%78.15%39th pctl386 / 629
Brokered Deposits / Depositsn/aNot reported for this institution