BlastPoint's Banking Scorecard
First Piedmont Federal Savings and Loan Association of Gaffney
Designations: ✓ Mutual
Gaffney, SC
7 branches across SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
- Deposits +2.5% year over year ($420.5M on the books).
- Delinquency rate 0.74%.
- Return on assets 1.76%.
- Efficiency ratio 53.75% vs a 64.48% peer average.
- Loan-to-deposit ratio 122.53% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Piedmont Federal Savings and Loan Association of Gaffney has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 25.2% in tier
- + ROA 0.44% above tier average
- + Efficiency Ratio 10.73% below tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.6% in tier
- - Credit Risk Growth: Bottom 8.8% in tier
- - Credit Quality Pressure: Bottom 27.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.1M
+3.5% YoY
+1.0% QoQ
|
+$210.5M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$515.2M
+4.4% YoY
+1.5% QoQ
|
+$256.9M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Top 10.2% in tier |
| Total Deposits ? |
$420.5M
+2.5% YoY
+0.7% QoQ
|
+$93.7M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.76%
-4.5% YoY
+4.1% QoQ
|
+0.44% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.80%
+1.1% YoY
+1.8% QoQ
|
+0.82% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Top 11.8% in tier |
| Efficiency Ratio ? |
53.75%
-1.6% YoY
-2.2% QoQ
|
-10.73% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.74%
+0.4% YoY
-3.5% QoQ
|
-0.18% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
122.53%
+1.9% YoY
+0.7% QoQ
|
+44.58% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.57%
-7.3% YoY
-3.2% QoQ
|
+17.54% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Top 4.9% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+1.3% YoY
-3.1% QoQ
|
-0.03% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
29.14%
+2.6% YoY
+1.3% QoQ
|
+13.23% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 4.5% in tier |
| Non-Interest Income / Assets ? |
0.23%
-40.4% YoY
+143.1% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
39.6%
-3.1pp YoY -1.3pp QoQ |
+17.4pp | 22.1% | 21.7% | 22.2% | 95% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.1%
0.0pp YoY 0.0pp QoQ |
-11.5pp | 11.6% | 9.8% | 12.5% | 1% |
| CRE |
25.2%
-0.3pp YoY +0.3pp QoQ |
-14.4pp | 39.5% | 43.3% | 41.4% | 27% |
| 1-4 Family |
74.9%
+0.6pp YoY +0.2pp QoQ |
+42.3pp | 32.6% | 44.4% | 31.3% | 95% |
| Consumer |
1.0%
-0.4pp YoY -0.5pp QoQ |
-3.1pp | 4.1% | 4.5% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.1% | 19.7% | n/a |
| Leverage Ratio |
29.1%
+0.8pp YoY +0.4pp QoQ |
+17.0pp | 12.2% | 12.3% | 12.6% | 99% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
87
-2 (-2.2%) YoY -1 (-1.1%) QoQ |
+28 | 58 | 174 | 482 | 81% |
| Assets per Employee ($) |
$6.9M
+5.9% YoY +2.2% QoQ |
-$655K | $7.5M | $7.8M | $8.8M | 50% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.9% | 0.5% | 1.0% | 64% |
| Allowance Coverage |
1.58x
-4.6% YoY +2.2% QoQ |
-22.57x | 24.15x | 15.59x | 20.23x | 41% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
-0.5pp YoY +0.2pp QoQ |
-6.1pp | 12.2% | 11.7% | 11.6% | 17% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.6% | 1.7% | 3% |
| Net Income ($, YTD) |
$5.2M
-1.2% YoY — QoQ |
+$2.6M | $2.6M | $9.6M | $40.4M | 88% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.