First Piedmont Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.29 percentage points higher than in Q1 2026, at 56.73%. First Piedmont Federal Savings and Loan Association has the highest loan-to-deposit ratio of the 44 banks headquartered in South Carolina, 123.96% as of Q2 2026. First Piedmont Federal Savings and Loan Association's loan-to-deposit ratio of 123.96% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 43.12 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $521.2M |
| Net loans and leases | $515.2M |
| Loans held for sale | $0 |
| Loans to total assets | 87.29% |
| Loan-to-deposit ratio | 123.96% |
| Net loans to equity capital | 2.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.97% |
| Multifamily (5+ residential) | 0.83% |
| Commercial and industrial | 0.10% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.73% |
| Construction concentration (Tier 1 capital + allowance) | 29.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.66% |
| Interest income on loans | $7.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $499.3M | $409.8M | 14.12% | 0.11% | 1.90% |
| Q4 2023 | $492.6M | $402.6M | 14.44% | 0.11% | 1.80% |
| Q1 2024 | $493.5M | $395.5M | 14.02% | 0.11% | 1.76% |
| Q2 2024 | $489.1M | $393.8M | 14.79% | 0.11% | 1.51% |
| Q3 2024 | $489.2M | $394.8M | 15.00% | 0.10% | 1.35% |
| Q4 2024 | $484.1M | $406.6M | 15.43% | 0.10% | 1.32% |
| Q1 2025 | $492.0M | $399.7M | 15.52% | 0.10% | 1.44% |
| Q2 2025 | $499.3M | $410.4M | 15.59% | 0.10% | 1.32% |
| Q3 2025 | $494.6M | $404.6M | 14.95% | 0.11% | 1.23% |
| Q4 2025 | $504.2M | $408.9M | 14.28% | 0.11% | 1.64% |
| Q1 2026 | $513.8M | $417.3M | 14.15% | 0.10% | 1.46% |
| Q2 2026 | $521.2M | $420.5M | 13.97% | 0.10% | 0.96% |
First Piedmont Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Piedmont Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Piedmont Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28859) · FFIEC NIC profile (RSSD 646172)