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
| 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
| 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
| 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
| 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 by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-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
Unlock Pickens Savings and Loan Association, Federal Association, 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 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)