First Piedmont Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.35 percentage points higher than in Q1 2026, at 158.46%. On return on assets, First Piedmont Federal Savings and Loan Association ranks 3rd highest among the 44 banks headquartered in South Carolina, at 1.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Piedmont Federal Savings and Loan Association sits 0.59 points higher, at 1.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 29.14% |
| Equity capital to assets | 28.88% |
| Tangible equity to tangible assets | 28.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.13% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 158.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 6.35% |
| Net interest margin | 4.82% |
| Efficiency ratio | 52.65% |
| Yield on earning assets | 5.43% |
| Cost of funds | 0.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 123.96% |
| Core deposits to total deposits | 99.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 70.42% |
| Securities to assets | 0.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 25.56% | 1.81% | 4.24% | 0.42% | 0.00% |
| Q4 2023 | 25.35% | 1.12% | 4.09% | 0.46% | 0.00% |
| Q1 2024 | 26.32% | 1.61% | 4.24% | 0.47% | 0.00% |
| Q2 2024 | 27.29% | 2.15% | 4.85% | 0.50% | 0.00% |
| Q3 2024 | 27.42% | 1.91% | 4.68% | 0.57% | 0.00% |
| Q4 2024 | 27.83% | 2.99% | 4.75% | 0.61% | 0.00% |
| Q1 2025 | 27.99% | 1.75% | 4.57% | 0.62% | 0.00% |
| Q2 2025 | 28.39% | 1.96% | 4.74% | 0.73% | -0.00% |
| Q3 2025 | 28.58% | 1.92% | 4.77% | 0.73% | 0.00% |
| Q4 2025 | 28.78% | 1.82% | 4.74% | 0.73% | 0.00% |
| Q1 2026 | 28.76% | 1.69% | 4.65% | 0.75% | 0.00% |
| Q2 2026 | 29.14% | 1.84% | 4.82% | 0.73% | 0.00% |
First Piedmont Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Piedmont Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)