First Piedmont Federal Savings and Loan Association
Gaffney, SC · Cert 28859 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State savings bank · OCC · 7 branches
Q2 2026
$597.1MAssets
$521.2MLoans
$420.5MDeposits
$172.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 751).
- Widest gap: return on equity trails 78% of banks under $1B in assets operating in a single state (rank 589 of 755).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.74%
Rank 105 of 755
Net Interest Margin
4.67%
Rank 65 of 755
Efficiency Ratio
53.75%
Rank 164 of 755
Equity / Assets
28.88%
Rank 19 of 755
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 78% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.72% | 1.06% | 1.45% | Beats 86% | 105 / 755 | |
| Return on Equity | 6.02% | 6.66% | 10.44% | 13.61% | Beats 22% | 589 / 755 | |
| Net Interest Margin | 4.67% | 3.15% | 3.68% | 4.17% | Beats 91% | 65 / 755 | |
| Efficiency Ratio | 53.75% | 55.75% | 64.78% | 75.61% | Beats 78% | 164 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.05% | Beats 35% | 486 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 29.14% | 11.56% | 13.81% | 17.74% | Beats 93% | 51 / 755 | |
| Total Risk-Based Capital Ratio | 29.14% | 11.72% | 14.46% | 18.53% | Beats 93% | 55 / 755 | |
| Equity / Assets | 28.88% | 8.93% | 10.56% | 13.13% | Beats 97% | 19 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 123.96% | 62.43% | 78.62% | 91.00% | 99th pctl | 10 / 755 | |
| Loans / Assets | 87.29% | 54.70% | 67.27% | 76.55% | 97th pctl | 19 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |