$591M
+4.9%y/y
Percentile by value61st percentileby value
FDIC
ASSETFP
First Piedmont Federal Savings and Loan Association of Gaffney
Gaffney, South CarolinaFDIC Cert #28859
OCCEstablished 19337 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Piedmont Federal Savings and Loan Association of Gaffney reported $591M in total assets. Deposits grew 4.40% over the prior year.
Return on assets was 1.69%, compared with the official FFIEC UBPR peer median of 0.62%. The leverage ratio was 28.76%.
- Why is Tier 1 Leverage Ratio above its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Return on Assets above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$417M
+4.4%y/y
Percentile by value48th percentileby value
FDIC
DEP$508M
+4.5%y/y
Percentile by value75th percentileby value
FDIC
LNLSNET1.69%
−6 bpsy/y
Peer standing95th percentile
FDIC
NETINC + ROA56.93%
+13 bpsy/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR28.76%
+77 bpsy/y
Peer standing96th percentile
FDIC
RBC1AAJPercentiles compare this bank with 152 ffiec ubpr peer group 102 — insured savings banks having assets between $300 million and $1 billion.
Side-by-side comparison
First Piedmont Federal Savings and Loan Association of Gaffney beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.69%
Registry median
0.62%
This bank
5.88%
FFIEC trimmed average
5.33%
This bank
4.72%
Registry median
3.27%
This bank
56.93%
Registry median
78.14%
This bank
+4.40%
FFIEC trimmed average
+3.50%
This bank
+4.50%
FFIEC trimmed average
+4.57%
This bank
0.75%
FFIEC trimmed average
0.58%
This bank
28.76%
FFIEC trimmed average
12.68%
This bank
1.40%
Registry median
2.50%
This bank
Registry median
126%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.69%
Registry median
0.63%
This bank
5.88%
FFIEC trimmed average
3.75%
This bank
4.72%
Registry median
3.09%
This bank
56.93%
Registry median
79.43%
This bank
+4.40%
FFIEC trimmed average
+3.26%
This bank
+4.50%
FFIEC trimmed average
+3.44%
This bank
0.75%
FFIEC trimmed average
0.56%
This bank
28.76%
FFIEC trimmed average
17.30%
This bank
1.40%
Registry median
2.31%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $525M | $392M |
| Q3 2021 | $539M | $403M |
| Q4 2021 | $532M | $398M |
| Q1 2022 | $563M | $428M |
| Q2 2022 | $572M | $434M |
| Q3 2022 | $581M | $440M |
| Q4 2022 | $564M | $421M |
| Q1 2023 | $574M | $429M |
| Q2 2023 | $562M | $417M |
| Q3 2023 | $569M | $410M |
| Q4 2023 | $573M | $403M |
| Q1 2024 | $557M | $395M |
| Q2 2024 | $550M | $394M |
| Q3 2024 | $553M | $395M |
| Q4 2024 | $569M | $407M |
| Q1 2025 | $563M | $400M |
| Q2 2025 | $577M | $410M |
| Q3 2025 | $575M | $405M |
| Q4 2025 | $581M | $409M |
| Q1 2026 | $591M | $417M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $29.5M |
| Investor CRE | $43.2M |
| Multifamily | $3.76M |
| Construction | $49.9M |
| 1–4 family | $379M |
| C&I | $533K |
| Agriculture | $0 |
| Other | $7.62M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.69%95th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDIC
NETINC + ROE5.88%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDIC
NIM + NIMY4.72%96th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR56.93%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDIC
DEP+4.40%59th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDIC
LNLSNET+4.50%51st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.75%72nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDIC
RBC1AAJ28.76%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.69%Median 11.69%90th 19.02%Observations 152
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.40%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 126%90th 290%Observations 98
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.69%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.63%90th 0.95%Observations 11
ROE
FDIC
NETINC + ROE5.88%66th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.81%Median 4.77%90th 7.60%Observations 11
NIM
FDIC
NIM + NIMY4.72%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.12%Median 3.09%90th 4.19%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR56.93%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 61.94%Median 79.43%90th 92.61%Observations 11
Deposits YoY
FDIC
DEP+4.40%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.60%Median +3.76%90th +5.75%Observations 11
Loans YoY
FDIC
LNLSNET+4.50%58th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.68%Median +4.23%90th +9.85%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.75%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.25%90th 0.77%Observations 11
Leverage
FDIC
RBC1AAJ28.76%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.24%Median 14.95%90th 28.76%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.40%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.26%Median 2.31%90th 3.09%Observations 11
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Gaffney, SC
FDIC
OFFDOMOpen the South Carolina dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data