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
Unfavorable gap of $2.9M · efficiency ratio beats 37% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 29% | 444 / 629 | |
| Return on Equity | 7.26% | 5.38% | 9.30% | 13.28% | Beats 34% | 416 / 629 | |
| Net Interest Margin | 2.90% | 3.03% | 3.54% | 4.05% | Beats 20% | 501 / 629 | |
| Efficiency Ratio | 73.03% | 58.35% | 67.79% | 79.08% | Beats 37% | 395 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 184 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 21.38% | 11.24% | 13.84% | 18.77% | Beats 80% | 127 / 629 | |
| Total Risk-Based Capital Ratio | 22.63% | 11.58% | 14.43% | 19.66% | Beats 80% | 123 / 629 | |
| Equity / Assets | 9.52% | 9.09% | 10.65% | 13.80% | Beats 33% | 424 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.53% | 67.24% | 80.90% | 93.48% | 36th pctl | 379 / 594 | |
| Loans / Assets | 62.33% | 53.31% | 67.71% | 78.15% | 39th pctl | 386 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |