Pee Dee Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 861.11 percentage points lower than in Q2 2026, at 688.89%. Pee Dee Federal Savings Bank ranks 25th of 44 South Carolina banks on return on assets, in the lower half at 1.00% (Q3 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets; Pee Dee Federal Savings Bank reported 1.00% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 42.04% |
| Tier 1 risk-based capital ratio | 42.04% |
| Total risk-based capital ratio | 43.31% |
| Tier 1 leverage ratio | 21.12% |
| Equity capital to assets | 21.20% |
| Tangible equity to tangible assets | 21.20% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 3.97% |
| Reserve coverage of non-performing loans | 688.89% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 4.76% |
| Net interest margin | 4.38% |
| Efficiency ratio | 86.86% |
| Yield on earning assets | 4.80% |
| Cost of funds | 0.52% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 48.63% |
| Core deposits to total deposits | 86.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.77% |
| Securities to assets | 48.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 39.91% | 39.91% | 41.19% | 18.15% | 0.92% |
| Q1 2024 | 41.11% | 41.11% | 42.38% | 18.39% | 1.01% |
| Q2 2024 | 39.84% | 39.84% | 41.11% | 18.48% | 1.08% |
| Q3 2024 | 40.67% | 40.67% | 41.94% | 18.80% | 1.11% |
| Q4 2024 | 41.47% | 41.47% | 42.75% | 18.98% | 0.63% |
| Q1 2025 | 42.13% | 42.13% | 43.40% | 19.42% | 1.03% |
| Q2 2025 | 42.42% | 42.42% | 43.69% | 19.99% | 1.27% |
| Q3 2025 | 42.39% | 42.39% | 43.67% | 19.97% | 1.25% |
| Q4 2025 | 40.40% | 40.40% | 41.67% | 19.89% | 0.78% |
| Q1 2026 | 41.52% | 41.52% | 42.79% | 19.83% | 0.94% |
| Q2 2026 | 42.24% | 42.24% | 43.51% | 20.51% | 1.02% |
| Q3 2026 | 42.04% | 42.04% | 43.31% | 21.12% | 1.00% |
Pee Dee Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pee Dee Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)