Pee Dee Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 2.51 percentage points higher than in Q2 2026, at 48.63%. Within South Carolina, Pee Dee Federal Savings Bank is 39th of 44 on loan-to-deposit ratio, 48.63% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Pee Dee Federal Savings Bank sits 18.99 points lower, at 48.63% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $14.1M |
| Net loans and leases | $13.5M |
| Loans held for sale | $0 |
| Loans to total assets | 38.31% |
| Loan-to-deposit ratio | 48.63% |
| Net loans to equity capital | 1.74% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 64.59% |
| Consumer | 27.55% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.82% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.76% |
| Interest income on loans | $261K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $12.2M | $30.5M | 9.67% | 60.83% | 21.34% |
| Q1 2024 | $11.8M | $30.9M | 7.13% | 62.66% | 21.00% |
| Q2 2024 | $12.8M | $30.8M | 6.40% | 59.14% | 26.25% |
| Q3 2024 | $12.6M | $30.8M | 6.32% | 61.30% | 25.84% |
| Q4 2024 | $12.6M | $30.0M | 6.14% | 62.66% | 23.98% |
| Q1 2025 | $12.5M | $29.8M | 4.72% | 64.89% | 24.21% |
| Q2 2025 | $12.8M | $28.9M | 4.81% | 64.93% | 24.38% |
| Q3 2025 | $12.9M | $29.7M | 4.53% | 64.41% | 26.36% |
| Q4 2025 | $14.0M | $30.2M | 5.08% | 65.29% | 25.42% |
| Q1 2026 | $13.5M | $30.6M | 3.49% | 63.39% | 28.89% |
| Q2 2026 | $13.5M | $29.4M | 3.32% | 63.12% | 28.76% |
| Q3 2026 | $14.1M | $28.9M | 3.10% | 64.59% | 27.55% |
Pee Dee Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pee Dee Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)