Pee Dee Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Pee Dee Federal Savings Bank is an FDIC-insured savings institution headquartered in Marion, SC, established in 1935 (FDIC certificate 29582), and it is supervised by the OCC. At Q2 2026 it reported total assets of $37.1M, up 2.4% from Q2 2025, the 43rd largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 42.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29582
- Headquarters
- Marion, SC
- Established
- 1935
- Total assets, Q2 2026
- $37.1M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 42.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253272342
- Latest call report
- Q2 2026, FFIEC 051 · Pee Dee Federal Savings Bank call report
- Asset rank in state
- 43rd of 43 in South Carolina
Pee Dee Federal Savings Bank, based in Marion, South Carolina, reported $37 million in assets at June 30, 2026, up 2.4% from a year earlier. It pays an average of 0.66% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. It also funds 20.51% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 13.06%).
Its securities portfolio is underwater by $4.2 million, an amount equal to 54% of Tier 1 capital. Net income for the quarter slipped 17% from a year earlier, to $96,000. One more trend to watch: problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.27% of loans.
As of June 30, 2026, Pee Dee Federal Savings Bank reported a CET1 capital ratio of 42.24%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 0.44%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pee Dee Federal Savings Bank is the smallest of the 43 banks headquartered in South Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $37.1M, loans rose 0.3% and deposits fell 4.1%. Commercial and industrial loans made up 63.1% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 23.9%. Its one office in the FDIC Summary of Deposits is in Marion, SC. On its Q2 2026 call report, Pee Dee Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 Ne Court St, Marion, SC 29571
- County
- Marion
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 11, 1935
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $29.4M
- Allowance for credit losses
- $558K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $37.5M
- Average total loans
- $13.0M
- Average interest-bearing deposits
- $25.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29582
- Fed RSSD
- 515979
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pee Dee Federal Savings Bank's total assets moved between a low of $36.2M (Q2 2025) and a high of $38.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$37.1M total assets against $36.2M; $29.4M total liabilities against $28.9M.
$13.0M net loans and leases against $12.3M; $29.4M total deposits against $28.9M.
$17.9M securities against $17.4M; $5.6M cash and balances due against $6.1M.
$428K total interest income against $421K; $50K total interest expense against $43K.
$378K net interest income against $378K.
$15K total noninterest income against $19K; $297K total noninterest expense against $281K.
No provision recorded in the last 12 quarters.
$96K net income against $116K.
1.02% return on assets against 1.27%; 4.13% net interest margin against 4.12%.
42.24% CET1 capital ratio against 42.42%; 20.51% tier 1 leverage ratio against 19.99%.
Inside the full Pee Dee Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Pee Dee Federal Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q4 2024) to 1.27% (Q2 2025) and its net interest margin ran from 3.94% (Q3 2024) to 4.31% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 42.24% | 1.02% | 0.27% | 0.44% | 4.13% |
| Q1 2026 | 41.52% | 0.94% | 0.04% | 0.06% | 3.98% |
| Q4 2025 | 40.40% | 0.78% | 0.04% | 0.07% | 4.31% |
| Q3 2025 | 42.39% | 1.25% | 0.21% | 0.34% | 4.20% |
| Q2 2025 | 42.42% | 1.27% | 0.00% | 0.00% | 4.12% |
| Q1 2025 | 42.13% | 1.03% | 0.00% | 0.00% | 4.26% |
| Q4 2024 | 41.47% | 0.63% | 0.00% | 0.00% | 3.98% |
| Q3 2024 | 40.67% | 1.11% | 0.00% | 0.00% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pee Dee Federal Savings Bank (main office) | Marion , SC | 29571 | $29.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 72 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $94K approved, $94K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pee Dee Federal Savings Bank
What are Pee Dee Federal Savings Bank's total assets?
As of the Q2 2026 filing, Pee Dee Federal Savings Bank reported total assets of $37.1 million in its FFIEC call report.
Where is Pee Dee Federal Savings Bank headquartered?
It is headquartered in Marion, SC, United States.
When was Pee Dee Federal Savings Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Pee Dee Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29582). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pee Dee Federal Savings Bank?
Pee Dee Federal Savings Bank's primary federal regulator is the OCC.
What is Pee Dee Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 42.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pee Dee Federal Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pee Dee Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 0.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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