Pee Dee Federal Savings Bank: how it compares with its peers
Against 333 U.S. banks with half to twice its assets, Pee Dee Federal Savings Bank's strongest measure in Q2 2026 is net interest margin (4.09% vs. a 3.89% peer median). Its weakest relative measure is efficiency ratio (76.18% vs. 71.88%).
| Measure | Pee Dee Federal Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 0.97% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 3.89% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.18% | 71.88% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.6M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.22% | 64.01% | Context |
What it means for lending operations
Its efficiency ratio of 76.18% is above the 71.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of Jeffers Jeffers, MN · $37M
- Western National Bank Cass Lake, MN · $37M
- Farmers State Bank of Hoffman Hoffman, MN · $37M
- Farmers State Bank Lake View, IA · $37M
- Nebraska State Bank Bristow, NE · $37M
- The State Bank of Canton, Canton, Kansas Canton, KS · $37M
Questions about Pee Dee Federal Savings Bank
How big is Pee Dee Federal Savings Bank?
Pee Dee Federal Savings Bank, established in 1935, is headquartered in Marion, SC. It reported $37M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pee Dee Federal Savings Bank's return on assets?
0.99% annualized in Q2 2026, against a 0.97% median for 333 U.S. banks with half to twice its assets, ahead of 50% of them.
What is Pee Dee Federal Savings Bank's efficiency ratio?
76.18% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 71.88%, and lower is better.
Is Pee Dee Federal Savings Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.