Pickens Savings and Loan Association, Federal Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Core deposits to total deposits climbed 0.86 percentage points in Q2 2026, from 92.45% to 93.31%. It was the largest change from Q1 2026 among the key lines here. Pickens Savings and Loan Association, Federal Association ranks 28th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 73.53% (Q2 2026). Pickens Savings and Loan Association, Federal Association reported 73.53% on loan-to-deposit ratio for Q2 2026, 7.31 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.53% |
| Net loans and leases to deposits | 72.81% |
| Loans and leases to core deposits | 78.80% |
| Core deposits to total deposits | 93.31% |
| Brokered deposits to total deposits | 1.41% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.49% | 96.92% | $0 | $4.2M |
| Q4 2023 | 66.61% | 96.30% | $0 | $4.2M |
| Q1 2024 | 65.79% | 96.34% | $0 | $4.2M |
| Q2 2024 | 66.31% | 96.09% | $0 | $4.2M |
| Q3 2024 | 67.21% | 95.88% | $0 | $4.2M |
| Q4 2024 | 69.11% | 95.42% | $0 | $4.2M |
| Q1 2025 | 68.58% | 95.22% | $0 | $4.2M |
| Q2 2025 | 69.71% | 92.82% | $0 | $4.2M |
| Q3 2025 | 71.98% | 92.60% | $0 | $4.2M |
| Q4 2025 | 73.44% | 92.05% | $0 | $6.2M |
| Q1 2026 | 73.03% | 92.45% | $0 | $6.2M |
| Q2 2026 | 73.53% | 93.31% | $0 | $6.7M |
Pickens Savings and Loan Association, Federal Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pickens Savings and Loan Association, Federal Association, freeSource: Call Report Schedules RC and RC-M, 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)