Total Assets
$135M
Total balance-sheet footings
FDIC Cert #31089 · Pickens, South Carolina · Est. 1920
Pickens Savings and Loan Association, FA - FDIC Bank Health Profile
A community-scale look at Pickens Savings and Loan Association, FA's own numbers, pulled straight from its quarterly FDIC Call Report.
- $135M
- Total assets
- B
- Health grade · Good
- 0.51%
- Return on assets
- 21.4%
- Tier 1 capital
Data updated July 2026
The verdict
Pickens Savings and Loan Association, FA earns a PlainBankData health grade of B (78/100), with well-capitalized at 21.40% Tier 1, 0.51% ROA, 78% efficiency ratio.
- #3,485
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 21.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Pickens Savings and Loan Association, FA's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pickens Savings and Loan Association, FA's composite health score
Tier 1 Capital Ratio (21.40%) 40/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (77.75%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$83M
Outstanding loan book
Net Income
$666K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pickens Savings and Loan Association, FA ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pickens Savings and Loan Association, FA's score of 78/100 falls in the highlighted band.
Pickens Savings and Loan Association, FA'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). Pickens Savings and Loan Association, FA's $135M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.40%
Texas Ratio
0.16%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.58%
Efficiency Ratio
77.75%
What the numbers say about Pickens Savings and Loan Association, FA
Pickens Savings and Loan Association, FA is an FDIC-insured institution (Certificate #31089) headquartered in Pickens, South Carolina, established in 1920. It holds $135M in total assets - 3,485th of 4,313 FDIC-insured banks, $114M in customer deposits, and $83M in net loans. On safety, its Tier 1 capital ratio of 21.40% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.16% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Pickens Savings and Loan Association, FA ranks 38th of 43 banks based in South Carolina -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$322K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pickens Savings and Loan Association, FA reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.16% - 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) Pickens Savings and Loan Association, FA (FDIC Cert #31089) - 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 Pickens Savings and Loan Association, FA's health grade?▼
Pickens Savings and Loan Association, FA receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Pickens Savings and Loan Association, FA?▼
Pickens Savings and Loan Association, FA holds $135M in total assets and $114M in deposits, ranking 3,485th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pickens, South Carolina.
Is my money safe at Pickens Savings and Loan Association, FA?▼
Yes, deposits at Pickens Savings and Loan Association, FA (Certificate #31089) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pickens Savings and Loan Association, FA's Tier 1 Capital Ratio?▼
Pickens Savings and Loan Association, FA has a Tier 1 Capital Ratio of 21.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Pickens Savings and Loan Association, FA?▼
Pickens Savings and Loan Association, FA has a Texas Ratio of 0.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pickens Savings and Loan Association, FA?▼
Pickens Savings and Loan Association, FA has an Efficiency Ratio of 77.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pickens Savings and Loan Association, FA's profile as a depositor or analyst.
- Pickens Savings and Loan Association, FA's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pickens Savings and Loan Association, FA 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.