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Pickens Savings and Loan Association, Federal Association: 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%.

The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.6% higher than in Q1 2026, at -$2.1M. Within South Carolina, Pickens Savings and Loan Association, Federal Association is 6th of 30 on CET1 ratio, 21.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Pickens Savings and Loan Association, Federal Association sits 6.31 points higher, at 21.38% (Q2 2026).

Risk-based capital ratios

Risk-based capital ratios for Pickens Savings and Loan Association, Federal Association, Q2 2026
Line item Q2 2026
Common equity Tier 1 ratio 21.38%
Tier 1 risk-based capital ratio 21.38%
Total risk-based capital ratio 22.63%
Tier 1 leverage ratio 10.86%

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

Capital amounts for Pickens Savings and Loan Association, Federal Association, Q2 2026
Line item Q2 2026
Common equity Tier 1 capital $15.0M
Tier 1 capital $15.0M
Total risk-based capital $15.9M
Total equity capital $13.2M
Risk-weighted assets $70.4M

Capital adequacy

Capital adequacy for Pickens Savings and Loan Association, Federal Association, Q2 2026
Line item Q2 2026
Equity capital to total assets 9.52%
Tangible equity to tangible assets 9.40%
Equity capital to average assets 9.49%
Internal capital growth rate 7.46%

Capital structure

Capital structure for Pickens Savings and Loan Association, Federal Association, Q2 2026
Line item Q2 2026
Common stock $373K
Common stock surplus $5.5M
Retained earnings $9.3M
Preferred stock and surplus $0
Accumulated other comprehensive income -$2.1M
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 ratios
Risk-weighted assets
Equity to assets

Regulatory Capital by quarter

Values plotted above, Pickens Savings and Loan Association, Federal Association, oldest first
Quarter CET1Tier 1 RBCTotal RBCTier 1 leverageRisk-weighted assets
Q3 2023 21.75% 21.75% 23.00% 11.15% $62.2M
Q4 2023 22.09% 22.09% 23.35% 11.64% $62.0M
Q1 2024 21.92% 21.92% 23.17% 11.27% $62.5M
Q2 2024 22.07% 22.07% 23.33% 11.46% $62.8M
Q3 2024 21.80% 21.80% 23.05% 10.84% $64.1M
Q4 2024 21.80% 21.80% 23.05% 10.91% $65.0M
Q1 2025 21.89% 21.89% 23.14% 10.85% $64.8M
Q2 2025 21.65% 21.65% 22.90% 10.81% $66.0M
Q3 2025 21.16% 21.16% 22.41% 10.79% $68.5M
Q4 2025 21.39% 21.39% 22.64% 10.76% $68.7M
Q1 2026 21.47% 21.47% 22.72% 10.81% $69.0M
Q2 2026 21.38% 21.38% 22.63% 10.86% $70.4M

Pickens Savings and Loan Association, Federal Association regulatory capital, all the way back

Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export

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Source: 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 Pickens Savings and Loan Association, Federal Association profile, peer group comparison, or how this data updates.

Regulator records: FDIC BankFind (cert 31089) · FFIEC NIC profile (RSSD 884376)