BlastPoint's Banking Scorecard
First Piedmont Federal Savings and Loan Association of Gaffney
Community
Specialty: Mortgage
SC
FDIC cert 28859
Designations: ✓ Mutual
Gaffney, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
First Piedmont Federal Savings and Loan Association of Gaffney has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 11% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17% in Community
- - Capital Thin: Bottom 28% in Community
- - Margin Compression: Bottom 40% in Community
- - Loan-to-Deposit Ratio 38.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$580.7M
+2.1% YoY
+1.1% QoQ
|
-$810.7M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$498.2M
+4.2% YoY
+2.0% QoQ
|
-$477.2M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$408.9M
+0.6% YoY
+1.1% QoQ
|
-$755.7M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.81%
-15.5% YoY
-3.5% QoQ
|
+0.64% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.81%
+2.9% YoY
+0.2% QoQ
|
+1.15% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
55.56%
+4.6% YoY
+1.6% QoQ
|
-7.07% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.74%
+18.5% YoY
-0.7% QoQ
|
+0.11% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
121.85%
+3.6% YoY
+0.9% QoQ
|
+38.79% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.42%
-4.0% YoY
-3.0% QoQ
|
+19.38% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.63%
+20.9% YoY
+0.2% QoQ
|
+0.13% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.82%
-17.1% YoY
+34.4% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#18 of 150 · Top 11% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
40.42%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.81%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Risk Growth
risk
#112 of 642 · Bottom 17% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#120 of 432 · Bottom 28% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#49 of 120 · Bottom 40% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.81%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
121.85%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.42% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
78
78th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
71
71th pctile
Efficiency Ratio
Current: 55.56% · Tier avg: 62.63%
34
34th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
31
31th pctile
Total Loans
Current: $498.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Total Assets
Current: $580.7M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $408.9M · Tier avg: $1.2B
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.85% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.85% · Tier avg: 83.06%
2
2th pctile
Total Deposits
Current: $408.9M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $580.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Loans
Current: $498.2M · Tier avg: $975.5M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.63%
71
71th pctile
Efficiency Ratio
Current: 55.56% · Tier avg: 62.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.42% · Tier avg: 21.05%