Pee Dee Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q2 2026, Equity capital to average assets rose 0.61 percentage points in Q3 2026 to 21.12%, the biggest move on this page. Among 30 South Carolina banks, Pee Dee Federal Savings Bank sits 2nd from the top on CET1 ratio, 42.04% as of Q3 2026. Pee Dee Federal Savings Bank's CET1 ratio of 42.04% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 22.47 points (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 42.04% |
| Tier 1 risk-based capital ratio | 42.04% |
| Total risk-based capital ratio | 43.31% |
| Tier 1 leverage ratio | 21.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $7.8M |
| Tier 1 capital | $7.8M |
| Total risk-based capital | $8.0M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $18.5M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 21.20% |
| Tangible equity to tangible assets | 21.20% |
| Equity capital to average assets | 21.12% |
| Internal capital growth rate | 4.79% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 39.91% | 39.91% | 41.19% | 18.15% | $16.9M |
| Q1 2024 | 41.11% | 41.11% | 42.38% | 18.39% | $16.6M |
| Q2 2024 | 39.84% | 39.84% | 41.11% | 18.48% | $17.4M |
| Q3 2024 | 40.67% | 40.67% | 41.94% | 18.80% | $17.3M |
| Q4 2024 | 41.47% | 41.47% | 42.75% | 18.98% | $17.1M |
| Q1 2025 | 42.13% | 42.13% | 43.40% | 19.42% | $17.1M |
| Q2 2025 | 42.42% | 42.42% | 43.69% | 19.99% | $17.2M |
| Q3 2025 | 42.39% | 42.39% | 43.67% | 19.97% | $17.5M |
| Q4 2025 | 40.40% | 40.40% | 41.67% | 19.89% | $18.6M |
| Q1 2026 | 41.52% | 41.52% | 42.79% | 19.83% | $18.3M |
| Q2 2026 | 42.24% | 42.24% | 43.51% | 20.51% | $18.2M |
| Q3 2026 | 42.04% | 42.04% | 43.31% | 21.12% | $18.5M |
Pee Dee Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pee Dee Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pee Dee Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29582) · FFIEC NIC profile (RSSD 515979)