BlastPoint's Banking Scorecard
Pickens Savings and Loan Association, FA
Micro
Specialty: Mortgage
SC
FDIC cert 31089
Designations: ✓ Community bank
Pickens, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Pickens Savings and Loan Association, FA faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.6M
+5.1% YoY
+1.3% QoQ
|
-$82.9M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$83.2M
+9.5% YoY
+1.5% QoQ
|
-$55.9M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$114.5M
+2.9% YoY
-0.5% QoQ
|
-$69.2M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.51%
+10.8% YoY
+8.4% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.00%
+2.9% YoY
+1.2% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
77.75%
-5.5% YoY
-0.8% QoQ
|
+10.03% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.03%
-88.2% YoY
-83.1% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
72.73%
+6.4% YoY
+2.0% QoQ
|
-1.79% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
5.34%
-4.7% YoY
+0.2% QoQ
|
-17.05% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-87.7% YoY
-83.0% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
21.40%
-1.9% YoY
+1.1% QoQ
|
+12.54% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.24%
+2.1% YoY
+31.3% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.34%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 21.40% · Tier avg: 8.85%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.73% · Tier avg: 74.53%
36
36th pctile
Total Loans
Current: $83.2M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $114.5M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
24
24th pctile
Efficiency Ratio
Current: 77.75% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.34% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.34% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.75% · Tier avg: 67.73%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $114.5M · Tier avg: $183.7M
36
36th pctile
Total Loans
Current: $83.2M · Tier avg: $139.2M
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.73% · Tier avg: 74.53%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.40% · Tier avg: 8.85%