Pickens Savings and Loan Association, FA: how it compares with its peers
Against 8 SC banks with half to twice its assets, Pickens Savings and Loan Association, FA's strongest measure in Q2 2026 is efficiency ratio (72.93% vs. a 82.38% peer median). Its weakest relative measure is net interest margin (3.14% vs. 4.03%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 0.57% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 4.03% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.93% | 82.38% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.8M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.81% | 80.75% | Context |
What it means for lending operations
Its efficiency ratio of 72.93% is better than the 82.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Abbeville First Bank, SSB Abbeville, SC · $139M
- 1st Federal Savings Bank of SC, Inc. Walterboro, SC · $152M
- Spratt Savings Bank Chester, SC · $154M
- Bank of Greeleyville Greeleyville, SC · $160M
- Woodruff Federal Savings and Loan Association Woodruff, SC · $104M
- Dedicated Community Bank Darlington, SC · $101M
Questions about Pickens Savings and Loan Association, FA
How big is Pickens Savings and Loan Association, FA?
Pickens Savings and Loan Association, FA, established in 1920, is headquartered in Pickens, SC. It reported $138M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Pickens Savings and Loan Association, FA's return on assets?
0.70% annualized in Q2 2026, against a 0.57% median for 8 SC banks with half to twice its assets, ahead of 63% of them.
What is Pickens Savings and Loan Association, FA's efficiency ratio?
72.93% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 82.38%, and lower is better.
Is Pickens Savings and Loan Association, FA growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 2.8%.
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 SC 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.