Bank Comparison
First Piedmont Federal Savings and Loan Association vs Hearthside Bank Corporation
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| CET1 Ratio | — | 13.95% |
| Tier 1 Capital Ratio | — | 13.95% |
| Total Capital Ratio | — | 15.20% |
| Tier 1 Leverage Ratio | 28.76% | 10.05% |
| Equity / Assets | 28.72% | 8.99% |
Profitability
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| Return on Assets (ROA) | 1.69% | 0.78% |
| Return on Equity (ROE) | 5.88% | 8.73% |
| Net Interest Margin (NIM) | 4.65% | 3.81% |
| Yield on Earning Assets | 5.25% | 5.72% |
| Cost of Funds | 0.84% | 2.06% |
Asset quality
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| Texas Ratio | 2.21% | 2.38% |
| Non-Performing Loan Ratio | 0.75% | 0.30% |
| Non-Performing Asset Ratio | 0.66% | 0.24% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.17% | 1.21% |
Balance sheet
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| Total Assets | $591,032K | $591,133K |
| Total Deposits | $417,346K | $530,083K |
| Total Loans | $513,797K | $453,390K |
| Total Equity | $169,754K | $53,152K |
| Net Income (quarter) | $2,478K | $1,157K |
Liquidity & funding
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| Loan-to-Deposit Ratio | 123.11% | 85.53% |
| Core Deposit Ratio | 99.50% | 86.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Piedmont Federal Savings and Loan Association | Hearthside Bank Corporation |
|---|---|---|
| Headquarters City | GAFFNEY | MIDDLESBORO |
| Headquarters State | SC | KY |
| Asset Tier | Medium | Medium |
| Charter Class | 702502 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 8 |
| Employees (FTE) | 88 | 101 |
| Established | Jan. 1, 1933, midnight | Jan. 1, 1920, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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