Pickens, SC · Cert 31089
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.4% share · #26 of 40 inst. · $0.1B of $26.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.46% | 0.43% | 0.40% | 0.47% | 0.51% | 0.72% | 0.70% | +30 bps | |
| Return on Equity | 4.62% | 5.10% | 4.87% | 4.50% | 5.21% | 5.58% | 7.60% | 7.43% | +292 bps | |
| Net Interest Margin | 2.62% | 2.66% | 2.64% | 2.66% | 2.68% | 2.69% | 2.87% | 2.90% | +25 bps | |
| Efficiency Ratio | 83.91% | 82.32% | 83.30% | 79.39% | 78.36% | 77.75% | 71.90% | 72.93% | -645 bps | |
| Non-Interest Burden | 2.16% | 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 / Loans | 0.13% | 0.22% | 0.00% | 0.03% | 0.15% | 0.03% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.08% | 1.07% | 1.03% | 0.98% | 0.96% | 0.98% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 9.0x | 4.9x | n/a | 32.9x | 6.3x | 36.9x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.91% | 10.85% | 10.81% | 10.79% | 10.76% | 10.81% | 10.86% | +5 bps | |
| Total Risk-Based Capital | 23.05% | 23.05% | 23.14% | 22.90% | 22.41% | 22.64% | 22.72% | 22.63% | -27 bps | |
| Equity / Assets | 9.32% | 8.91% | 8.95% | 8.79% | 9.28% | 9.52% | 9.31% | 9.52% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.21% | 69.11% | 68.58% | 69.71% | 71.98% | 73.44% | 73.03% | 73.53% | +382 bps | |
| Liquid Assets / Assets | 7.97% | 7.14% | 8.66% | 7.92% | 7.34% | 6.34% | 7.24% | 7.25% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.74% | 103.44% | 100.20% | n/a | n/a | |