First Piedmont Federal Savings and Loan Association
Gaffney, SC · Cert 28859 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 743).
- Widest gap: return on equity trails 78% of banks under $1B in assets operating in a single state (rank 583 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.74%
Rank 100 of 746
Net Interest Margin
4.67%
Rank 63 of 746
Efficiency Ratio
53.75%
Rank 162 of 746
Equity / Assets
28.88%
Rank 17 of 746
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 87% | 100 / 746 | |
| Return on Equity | 6.02% | 6.74% | 10.51% | 13.63% | Beats 22% | 583 / 746 | |
| Net Interest Margin | 4.67% | 3.17% | 3.68% | 4.16% | Beats 92% | 63 / 746 | |
| Efficiency Ratio | 53.75% | 55.74% | 64.58% | 75.47% | Beats 78% | 162 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.07% | Beats 36% | 479 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 29.14% | 11.55% | 13.75% | 17.60% | Beats 94% | 42 / 746 | |
| Total Risk-Based Capital Ratio | 29.14% | 11.71% | 14.33% | 18.43% | Beats 94% | 47 / 746 | |
| Equity / Assets | 28.88% | 8.90% | 10.51% | 13.06% | Beats 98% | 17 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 123.96% | 61.31% | 78.27% | 90.78% | 99th pctl | 9 / 746 | |
| Loans / Assets | 87.29% | 53.60% | 66.97% | 76.08% | 98th pctl | 18 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |