Pickens Savings and Loan Association, Federal Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.41 percentage points lower than in Q1 2026, at 82.54%. Within South Carolina, Pickens Savings and Loan Association, Federal Association is 28th of 44 on loan-to-deposit ratio, 73.53% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.2M |
| Net loans and leases | $85.4M |
| Loans held for sale | $0 |
| Loans to total assets | 62.33% |
| Loan-to-deposit ratio | 73.53% |
| Net loans to equity capital | 6.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.91% |
| Multifamily (5+ residential) | 7.87% |
| Commercial and industrial | 1.19% |
| Consumer | 1.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.54% |
| Construction concentration (Tier 1 capital + allowance) | 28.40% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $70.8M | $109.8M | 6.88% | 1.80% | 1.56% |
| Q4 2023 | $71.9M | $108.0M | 6.75% | 1.76% | 1.57% |
| Q1 2024 | $72.4M | $110.1M | 6.32% | 1.66% | 1.42% |
| Q2 2024 | $72.9M | $110.0M | 6.21% | 1.45% | 1.40% |
| Q3 2024 | $74.3M | $110.5M | 6.01% | 1.28% | 1.39% |
| Q4 2024 | $76.8M | $111.2M | 4.13% | 1.10% | 1.25% |
| Q1 2025 | $77.0M | $112.3M | 3.36% | 1.08% | 1.17% |
| Q2 2025 | $79.5M | $114.1M | 3.10% | 0.62% | 1.11% |
| Q3 2025 | $82.8M | $115.0M | 3.76% | 0.89% | 1.05% |
| Q4 2025 | $84.1M | $114.5M | 3.88% | 1.35% | 1.06% |
| Q1 2026 | $84.5M | $115.7M | 3.64% | 1.02% | 1.09% |
| Q2 2026 | $86.2M | $117.2M | 3.91% | 1.19% | 1.00% |
Pickens Savings and Loan Association, Federal Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pickens Savings and Loan Association, Federal Association, freeSource: Call Report Schedule RC-C, 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)