Pickens Savings and Loan Association, Federal Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pickens Savings and Loan Association, Federal Association of Pickens, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.68% | 1.34% | -0.66% | 18th bottom |
| ROAE | 7.31% | 13.32% | -6.01% | 22nd bottom |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 16th bottom |
| Efficiency Ratio | 71.61% | 61.14% | +10.47% | 25th below |
| PPNR / Avg Assets | 0.83% | 1.68% | -0.85% | 15th bottom |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 18th bottom |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 2.95% | 3.32% | -0.37% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 2700.00% | 1395.22% | +1304.78% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.38% | 19.50% | +1.88% | 81st top |
| Tier 1 Ratio | 21.38% | 19.53% | +1.85% | 81st top |
| Total Capital Ratio | 22.63% | 20.62% | +2.01% | 81st top |
| Leverage Ratio | 10.86% | 12.14% | -1.28% | 48th below |
| Equity / Assets | 9.52% | 11.37% | -1.85% | 36th below |
| TCE / Tangible Assets | 9.40% | 11.09% | -1.69% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.53% | 80.64% | -7.11% | 64th above |
| Core Deposit Ratio | 93.31% | 86.86% | +6.45% | 75th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.86% | 5.03% | -0.17% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 6.85% | -1.24% | 59th above |
| Loan Growth (Y/Y) | 8.40% | 7.90% | +0.50% | 67th above |
| Deposit Growth (Y/Y) | 2.77% | 6.29% | -3.52% | 41st below |
See Pickens Savings and Loan Association, Federal Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pickens Savings and Loan Association, Federal Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pickens Savings and Loan Association, Federal Association profile, how to read a UBPR, or how this data updates.