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First Piedmont Federal Savings and Loan Association of Gaffney

$100M-$1B Specialty: Mortgage SC FDIC cert 28859

Designations: ✓ Mutual

Gaffney, SC

7 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

First Piedmont Federal Savings and Loan Association of Gaffney has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 25.7% in tier
  • + ROA 0.42% above tier average
  • + Efficiency Ratio 8.36% below tier average
  • + Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 2.6% in tier
  • - Credit Risk Growth: Bottom 16.2% in tier
  • - Credit Quality Pressure: Bottom 38.4% in tier
Get updates when First Piedmont Federal Savings and Loan Association of Gaffney releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $591.0M
+4.9% YoY +1.7% QoQ
+$205.0M $386.1M
+0.5% YoY
$1.5B
+4.7% YoY
$6.2B
+9.1% YoY
80%
Total Loans ? $507.8M
+4.5% YoY +1.9% QoQ
+$252.1M $255.7M
+1.1% YoY
$993.8M
+7.7% YoY
$3.2B
+10.8% YoY
Top 10.3% in tier
Total Deposits ? $417.3M
+4.4% YoY +2.1% QoQ
+$89.4M $328.0M
+0.1% YoY
$1.3B
+4.0% YoY
$4.8B
+8.2% YoY
71%
Return on Assets ? 1.69%
-3.4% YoY -8.9% QoQ
+0.42% 1.27%
+12.9% YoY
1.18%
+45.0% YoY
1.23%
+13.4% YoY
77%
Net Interest Margin ? 4.72%
+1.1% YoY -1.9% QoQ
+0.79% 3.93%
+6.0% YoY
3.64%
+5.2% YoY
3.89%
+5.7% YoY
Top 12.7% in tier
Efficiency Ratio ? 56.93%
+0.2% YoY +2.5% QoQ
-8.36% 65.29%
-4.5% YoY
67.38%
-5.7% YoY
66.95%
-4.1% YoY
68%
Delinquency Rate ? 0.76%
+21.6% YoY +3.8% QoQ
-0.12% 0.89%
+18.8% YoY
0.54%
+11.8% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 121.67%
+0.1% YoY -0.1% QoQ
+45.03% 76.64%
+0.8% YoY
73.64%
+1.6% YoY
76.70%
+0.9% YoY
Bottom 0.8% in tier
Non-Interest-Bearing Deposit Share ? 40.86%
-1.4% YoY +1.1% QoQ
+18.84% 22.02%
-1.0% YoY
20.84%
-0.7% YoY
22.01%
-1.2% YoY
Top 4.0% in tier
Nonperforming Asset Ratio ? 0.66%
+21.1% YoY +4.0% QoQ
+0.02% 0.64%
+19.7% YoY
0.34%
+10.8% YoY
0.67%
+19.3% YoY
31%
Tier 1 Capital Ratio ? 28.76%
+2.8% YoY -0.1% QoQ
+12.93% 15.83%
+1.5% YoY
17.50%
+3.0% YoY
17.06%
+0.8% YoY
Top 4.4% in tier
Non-Interest Income / Assets ? 0.15%
-20.3% YoY -81.7% QoQ
-0.13% 0.28%
+9.3% YoY
0.17%
+48.2% YoY
0.32%
+4.1% YoY
73%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#71 of 272 • Top 25.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.86%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.72%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#20 of 739 • Bottom 2.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 28.76%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 121.67%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#159 of 973 • Bottom 16.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#503 of 1308 • Bottom 38.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.76%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

107
Non-Interest-Bearing Deposit Share
funding
Value: 40.86%
Peer Median: 22.02%
#107 of 2664 Top 4.0% in $100M-$1B
118
Tier 1 Capital Ratio
capital
Value: 28.76%
Peer Median: 15.83%
#118 of 2664 Top 4.4% in $100M-$1B
275
Total Loans
size
Value: $507.78M
Peer Median: $255.72M
#275 of 2664 Top 10.3% in $100M-$1B
338
Net Interest Margin
profitability
Value: 4.72%
Peer Median: 3.93%
#338 of 2664 Top 12.7% in $100M-$1B
539
Total Assets
size
Value: $591.03M
Peer Median: $386.08M
#539 of 2664 Top 20.2% in $100M-$1B
606
Return on Assets
profitability
Value: 1.69%
Peer Median: 1.27%
#606 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2644
Loan-to-Deposit Ratio
liquidity
Value: 121.67%
Peer Median: 76.64%
#2644 of 2664 Bottom 0.8% in $100M-$1B
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