Total Assets
$38M
Total balance-sheet footings
FDIC Cert #29582 · Marion, South Carolina · Est. 1935
Pee Dee Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Pee Dee Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $38M
- Total assets
- A
- Health grade · Excellent
- 1.08%
- Return on assets
- 40.4%
- Tier 1 capital
Data updated July 2026
The verdict
Pee Dee Federal Savings Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 40.40% Tier 1, profitable at 1.08% ROA, 75% efficiency ratio.
- #4,198
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 40.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Pee Dee Federal Savings Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pee Dee Federal Savings Bank's composite health score
Tier 1 Capital Ratio (40.40%) 40/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (0.07%) 20/20
Efficiency Ratio (74.83%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$30M
Customer-funded liabilities
Net Loans
$13M
Outstanding loan book
Net Income
$401K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pee Dee Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pee Dee Federal Savings Bank's score of 84/100 falls in the highlighted band.
Pee Dee Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pee Dee Federal Savings Bank's $38M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
40.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
40.40%
Texas Ratio
0.07%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.08%
Return on Equity (ROE)
5.49%
Efficiency Ratio
74.83%
What the numbers say about Pee Dee Federal Savings Bank
Pee Dee Federal Savings Bank is an FDIC-insured institution (Certificate #29582) headquartered in Marion, South Carolina, established in 1935. It holds $38M in total assets - 4,198th of 4,313 FDIC-insured banks, $30M in customer deposits, and $13M in net loans. Its capital position: a Tier 1 ratio of 40.40%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.07% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pee Dee Federal Savings Bank is a community-scale institution -- 42nd of 43 FDIC-insured banks headquartered in South Carolina by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$68K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pee Dee Federal Savings Bank reports a Texas Ratio of 0.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pee Dee Federal Savings Bank (FDIC Cert #29582) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is Pee Dee Federal Savings Bank's health grade?▼
Pee Dee Federal Savings Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Pee Dee Federal Savings Bank?▼
Pee Dee Federal Savings Bank holds $38M in total assets and $30M in deposits, ranking 4,198th of 4,313 FDIC-insured banks by asset size. It is headquartered in Marion, South Carolina.
Is my money safe at Pee Dee Federal Savings Bank?▼
Yes, deposits at Pee Dee Federal Savings Bank (Certificate #29582) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pee Dee Federal Savings Bank's Tier 1 Capital Ratio?▼
Pee Dee Federal Savings Bank has a Tier 1 Capital Ratio of 40.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pee Dee Federal Savings Bank?▼
Pee Dee Federal Savings Bank has a Texas Ratio of 0.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pee Dee Federal Savings Bank?▼
Pee Dee Federal Savings Bank has an Efficiency Ratio of 74.83%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pee Dee Federal Savings Bank's profile as a depositor or analyst.
- Pee Dee Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pee Dee Federal Savings Bank against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.