TellerScore

Pickens Savings and Loan Association, FA (FDIC certificate #31089) is based in Pickens, South Carolina. Its Q2 2026 call report shows $138.3M in total assets and $117.2M in deposits and 2 offices.

Pickens Savings and Loan Association, FA has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 21st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.86%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 72.8% · 11.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the earnings component improved by 12 points.

TellerScore
727475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202574
Q2 202573
Q3 202572
Q4 202573
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%8.23%11.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.46%
Q3 202410.84%
Q4 202410.91%
Q1 202510.85%
Q2 202510.81%
Q3 202510.79%
Q4 202510.76%
Q1 202610.81%
Q2 202610.86%
Noncurrent loans
0.00%0.18%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.13%
Q4 20240.22%
Q1 20250.00%
Q2 20250.03%
Q3 20250.15%
Q4 20250.03%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.40%0.56%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.44%
Q3 20240.42%
Q4 20240.46%
Q1 20250.43%
Q2 20250.40%
Q3 20250.47%
Q4 20250.51%
Q1 20260.72%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$138.3M10.86%0.00%0.70%72.8%
Q1 202675$136.0M10.81%0.00%0.72%72.3%
Q4 202573$134.6M10.76%0.03%0.51%72.7%
Q3 202572$132.8M10.79%0.15%0.47%71.3%
Q2 202573$130.9M10.81%0.03%0.40%69.0%
Q1 202574$129.5M10.85%0.00%0.43%67.8%
Q4 202472$128.1M10.91%0.22%0.46%68.4%
Q3 202473$127.9M10.84%0.13%0.42%66.4%
Q2 202473$126.7M11.46%0.36%0.44%65.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.86%
48th
Total risk-based capital22.63%
90th
Problem loans0.00%
94th
Net charge-offs0.00%
56th
Return on assets0.70%
19th
Net interest margin3.14%
14th
Efficiency ratio72.9%
24th
Loans to deposits72.8%
64th
Uninsured deposits11.1%
92nd
Loan-loss reserves0.97%
23rd
Texas ratio0.0%
95th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Abbeville First Bank, SSBBank Abbeville, SC64 out of 100, Moderate$138.8M10.4%0.81%vs
1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC68 out of 100, Moderate$151.6M9.7%0.00%vs
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
Bank of GreeleyvilleBank Greeleyville, SC75 out of 100, Strong$160.1M10.6%0.38%vs
Woodruff Federal Savings and Loan AssociationBank Woodruff, SC78 out of 100, Strong$104.2M31.5%0.42%vs
Dedicated Community BankBank Darlington, SC65 out of 100, Moderate$100.6M9.3%0.47%vs

Deposit insurance

Is my money safe at Pickens Savings and Loan Association, FA?

Yes. Pickens Savings and Loan Association, FA is an FDIC-insured institution (FDIC certificate #31089). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.1% of deposits ($13.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.63% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Pickens Savings and Loan Association, FA lists 2 offices in 2 cities. Most locations:

  • Pickens, SC (1)
  • Six Mile, SC (1)

All branch addresses and map

Identity & history

Profile

Legal name
Pickens Savings and Loan Association, FA
Former names
Pickens Savings and Loan Association
Type
Savings bank
FDIC certificate #
31089
RSSD ID
884376
Primary regulator
OCC
Established
January 1, 1920
Headquarters
205 E Cedar Rock St, Pickens, SC 29671
Employees
19

Quick answers

Pickens Savings and Loan Association, FA: common questions

Is Pickens Savings and Loan Association, FA FDIC insured?

Yes. Pickens Savings and Loan Association, FA is an FDIC-insured institution (FDIC certificate #31089). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pickens Savings and Loan Association, FA's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pickens Savings and Loan Association, FA ever failed?

There is no failure record for FDIC certificate #31089 in the FDIC failed bank list.

How many branches does Pickens Savings and Loan Association, FA have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pickens

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs