Pickens Savings and Loan Association, Federal Association
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Data as of · sourced from FFIEC call reports. How we update
Pickens Savings and Loan Association, Federal Association is an FDIC-insured savings institution headquartered in Pickens, SC, supervised by the OCC, with $138.3M in total assets at Q2 2026, up 5.6% from Q2 2025, the 38th largest of 43 banks headquartered in South Carolina. It was established in 1920 and holds FDIC certificate 31089. Its CET1 capital ratio was 21.38% 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
- 31089
- Headquarters
- Pickens, SC
- Established
- 1920
- Total assets, Q2 2026
- $138.3M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 21.38%
- Domestic offices
- 2 · Pickens Savings and Loan Association, Federal Association branches FDIC institution directory, current count
- Routing number
- 253272384
- Safety and soundness
- Is Pickens Savings and Loan Association, Federal Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Pickens Savings and Loan Association, Federal Association Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 38th of 43 in South Carolina
Pickens Savings and Loan Association, Federal Association, based in Pickens, South Carolina, reported $138 million in assets at June 30, 2026, up 5.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). On the other hand, it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
Earnings jumped: net income for the quarter was $236,000, 98% above the same quarter a year earlier. Over the same year, loans grew 8.4% and deposits grew 2.8%. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Pickens Savings and Loan Association, Federal Association reported a CET1 capital ratio of 21.38%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pickens Savings and Loan Association, Federal Association is the 38th largest of the 43 banks headquartered in South Carolina. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $138.3M, loans rose 2.0% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.8% of total loans, ahead of multifamily loans at 7.9%. Its 2 offices in the FDIC Summary of Deposits are in Pickens, SC and Six Mile, SC; its Pickens office books 90% of its branch deposits. On its Q2 2026 call report, Pickens Savings and Loan Association, Federal Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 E Cedar Rock St, Pickens, SC 29671
- County
- Pickens
- Metro Area
- Greenville-Anderson-Greer, SC
- 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
- January 1, 1920
- Former names
- Pickens Savings and Loan Association, F.A. (1987)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $117.2M
- Allowance for credit losses
- $837K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $138.7M
- Average total loans
- $84.9M
- Average interest-bearing deposits
- $110.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31089
- Fed RSSD
- 884376
- Website
- www.pickens.bank →
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
Over the 12 quarters to Q2 2026, Pickens Savings and Loan Association, Federal Association's total assets ran between $124.6M (Q4 2023) and $138.3M (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
$138.3M total assets against $130.9M; $125.1M total liabilities against $119.4M.
$85.4M net loans and leases against $78.7M; $117.2M total deposits against $114.1M.
$37.0M securities against $35.7M; $9.4M cash and balances due against $9.8M.
$1.6M total interest income against $1.4M; $553K total interest expense against $540K.
$1.0M net interest income against $895K.
$80K total noninterest income against $80K; $820K total noninterest expense against $739K.
$1K provision for credit losses against $0.
$236K net income against $119K.
0.68% return on assets against 0.36%; 3.19% net interest margin against 2.93%.
21.38% CET1 capital ratio against 21.65%; 10.86% tier 1 leverage ratio against 10.81%.
Inside the full Pickens Savings and Loan Association, Federal Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePickens Savings and Loan Association, Federal Association rankings
Its closest position to the top of a national ranking is 274 of 2,134, for CET1 ratio; its furthest is 3,591 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q2 2025) to 0.71% (Q1 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.38% | 0.68% | 0.00% | 0.00% | 3.19% |
| Q1 2026 | 21.47% | 0.71% | 0.00% | 0.00% | 3.10% |
| Q4 2025 | 21.39% | 0.61% | 0.03% | 0.16% | 3.06% |
| Q3 2025 | 21.16% | 0.59% | 0.15% | 0.99% | 3.04% |
| Q2 2025 | 21.65% | 0.36% | 0.03% | 0.21% | 2.93% |
| Q1 2025 | 21.89% | 0.43% | 0.00% | 0.00% | 2.86% |
| Q4 2024 | 21.80% | 0.57% | 0.22% | 1.41% | 3.04% |
| Q3 2024 | 21.80% | 0.37% | 0.13% | 0.75% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Pickens Savings and Loan Association, Fa | Pickens , SC | 29671 | $105.7M |
| Six Mile Branch | Six Mile , SC | 29682 | $11.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- May 7, 2012, OCC: Formal Agreement: Pickens S & LA, Fa
- Period: Most recent institution action May 7, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SC, rank 60 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Pickens Savings and Loan Association, Federal Association
What are Pickens Savings and Loan Association, Federal Association's total assets?
As of the Q2 2026 filing, Pickens Savings and Loan Association, Federal Association reported total assets of $138.3 million in its FFIEC call report.
Where is Pickens Savings and Loan Association, Federal Association headquartered?
It is headquartered in Pickens, SC, United States.
When was Pickens Savings and Loan Association, Federal Association founded?
It was established in 1920, per the FDIC institution directory.
Is Pickens Savings and Loan Association, Federal Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31089). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pickens Savings and Loan Association, Federal Association?
Pickens Savings and Loan Association, Federal Association's primary federal regulator is the OCC.
What is Pickens Savings and Loan Association, Federal Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pickens Savings and Loan Association, Federal Association operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pickens Savings and Loan Association, Federal Association's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Pickens Savings and Loan Association, Federal Association previously called?
The charter now named Pickens Savings and Loan Association, Federal Association has also operated as Pickens Savings and Loan Association, F.A. (1987), per FDIC structure-change records.
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