First Piedmont Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Piedmont Federal Savings and Loan Association of Gaffney, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 6.35% | 12.06% | -5.71% | 18th bottom |
| Net Interest Margin | 4.82% | 3.90% | +0.92% | 89th top |
| Efficiency Ratio | 52.65% | 63.15% | -10.50% | 75th top |
| PPNR / Avg Assets | 2.52% | 1.64% | +0.88% | 89th top |
| Yield on Earning Assets | 5.43% | 5.65% | -0.22% | 41st below |
| Cost of Funds | 0.79% | 1.85% | -1.06% | 96th top |
| Net Interest Spread | 4.01% | 3.35% | +0.66% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.92% | -0.19% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.67% | -0.03% | 32nd below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 45th below |
| ACL / NPLs (Coverage) | 158.46% | 1645.77% | -1487.31% | 41st below |
| Texas Ratio | 2.13% | 7.15% | -5.02% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 29.14% | 12.46% | +16.68% | 98th top |
| Equity / Assets | 28.88% | 11.67% | +17.21% | 98th top |
| TCE / Tangible Assets | 28.88% | 11.39% | +17.49% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 123.96% | 78.63% | +45.33% | 1st bottom |
| Core Deposit Ratio | 99.51% | 87.09% | +12.42% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.50% | 6.47% | -2.97% | 43rd below |
| Loan Growth (Y/Y) | 4.39% | 7.64% | -3.25% | 44th below |
| Deposit Growth (Y/Y) | 2.46% | 6.02% | -3.56% | 38th below |
See First Piedmont Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Piedmont Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Piedmont Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.