PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION

PICKENS, SC | Small | Est. Jan. 1, 1920, midnight | FDIC #31089 | RSSD #884376 | OCC
Latest Report: 2025-12-31

PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in PICKENS, SC, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $135M and total deposits of $114M. Profitability stands at 0.62% ROA and 6.62% ROE, with a net interest margin of 3.16%. The bank's CET1 capital ratio is 21.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31089.

Assets

$135M

Deposits

$114M

Loans

$84M

Equity

$13M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 6.62%
Net Interest Margin (NIM) 3.16%
Yield on Assets 5.07%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 21.40%
Tier 1 Capital 21.40%
Total Capital Ratio 22.64%
Leverage Ratio 10.76%
Loan-to-Deposit 73.44%

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