First Piedmont Federal Savings and Loan Association of Gaffney

Gaffney, South CarolinaFDIC Cert #28859

OCCEstablished 19337 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$514M

+4.4%y/y

Percentile by value75th percentileby value

FDICLNLSGR

Net loans

$508M

+4.5%y/y

Percentile by value75th percentileby value

FDICLNLSNET

Loans YoY

+4.50%

+1,522.1%y/y

Percentile by value52nd percentileby value

FDICLNLSNET

L/D

121.7%

+0.1%y/y

Percentile by value100th percentileby value

FDICLNLSNET + DEP

Loans/assets

85.9%

−0.4%y/y

Percentile by value95th percentileby value

FDICLNLSNET + ASSET

RE loans %

109.34%

+0.9%y/y

Percentile by value99th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

5,768points

+1.8%y/y

Peer standing27th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

5.75%

−0.3%y/y

Percentile by value41st percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

8.40%

−13.9%y/y

Percentile by value41st percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.10%

+3.9%y/y

Percentile by value18th percentileby value

FDICLNCI + LNLSGR